vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-25 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: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
Reporting inaccurate data on my credit report. A XXXX account is showing up on my report with this company listed as the collection agency, I 've requested debt validation and they refuse to send any validation. This account is not mine, instead they keep renewing the date to show as a new debt and never send me validation of the debt. A police report was filed and sent to them and still nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
I have a home loan with caliber, they offered a refinance to a better rate for a 20 year loan with with a rate of 3.75 % and a total closing cost of XXXX. This was started in XXXX, documents were signed then no communication until XXXX when I got new paperwork showing my loan went up to 4 % with closing cost of over XXXX. multiple attempts of communication with the company with no response. today I finally spoke with someone who said it was human error and he can not honor the original documents as it was to much of a loss of the company, all of this after i have paid the XXXX in appraisal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
Calls received my family members and myself claiming a crime has been committed and that thay are trying to locate me.

Company response to consumer: Closed
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
My federal tax return was garnished for something and i was not aware or told so that maybe i could work something out if i did owe anything

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 2015-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
Monterey Collections sent me a bill from 2009 from a company called XXXX XXXX that went out of business and or went bankrupt. Several years ago I turned them in for harassment and illegal collection practices. I sent them a letter many years ago with a do not contact. They have now contacted me per mail to tell me to pay up to a company that does not exist and out of there statue of limitations per CA Penal Code 1748.10. The only way I knew of this matter was when I was cleaning up my credit report. They will list it as new to start the process all over again which is against the Federal Law. Several other companies do this as well. Including the County of XXXX XXXX who refuse to comply with any and all laws on paid off bills and judgements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I obtained several private student loans through National Collegiate and Trust between XXXX and XXXX to pay for expenses while I was going to college. Due to a death in the family and several financially difficult situations, I used the available deferment on my loans so they would not default. I graduated in late XXXX and, after moving to a new job in XXXX, was finally able to pay the full amounts due each month. I have paid my loans on time for since XX/XX/XXXX and am now more financially stable than my aging mother who is the co-signer on one of my loans. As this loan also affects my mother 's credit, I called the loan servicing company recently and requested to have my mother released as co-signer. I was told by AES ( the loan servicing company ) that because I used forbearance/deferment in the past, my mother is never eligible to be released as the co-signer. I was never told this would be a consequence when I was given the option of deferment and find National Collegiate and Trust 's policies to be unfair and unclear. Furthermore, they advised that my loans are not eligible for an interest rate reduction ( they are currently at 7.38 % and 8.0 % ), even with an auto-pay option. I can not refinance my loans because of my debt-to-income ratio, despite the fact that I have good credit and make {$61000.00} annually. My complaint is to dispute their unfair consumer practices. Deferment should not bar any future consideration of a co-signer release and if it does, this should be clearly disclosed to the consumer before they enter deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: HI

Complaint narrative:
They called my office asking for me and told XXXX of my staff it was a personal matter and I needed to call XXXX XXXX XXXX XXXX XXXX. when I called the area code ( XXXX ) number they wanted me to confirm my social security number and date of birth. I refused and asked them what this was about. They would not tell me. I did tell them that if they were attempting to collect on any collection matter, that I have filed with the FTC twice.The latest date was XXXX/XXXX/2016. I keep telling these people that this is NOT my debt and I also filed an Identity theft issue. I also told them that after I got off this call I was going to contact the CFPB and file a complaint. They hung up on me without saying good bye. I sent letters, etc and still they keep coming after me. It needs to STOP. The last company is Halsted. But funny, the number that first called is a Hawaii area code. Please ask them to stop harassing me over a debt that I keep filing that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Stanislaus Credit Control Service, Inc.
State: AZ

Complaint narrative:
Did n't receive a bill or payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I began making payment to my mortgage on a bi-weekly basis in XXXX 2015. I sent SLS {$1200.00} electronically every 2 weeks. 
I wrote letters to SLS stating that all payments should be applied to my regular monthly mortgage ( any excess of {$2400.00} would be applied to the principal ). I have paid my mortgage 1 month in advance since the XXXX 2015 payment. SLS continues to misappropriate the funds, add late fees to my account, and send me delinquency notices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I submitted an application for a loan modification in XXXX XXXX. I sent all the documents required. Since that time I have been contacted numerous times asking me for the same documents I sent before. It is now XXXX XXXX, XXXX and I am still going back & forth with this mortgage company. Even the agents have admitted that they have the items that the underwriters misplace them. I am at my wit end fed up with this and want something done immediately. I 've faxed, email and mailed the required documents 4 times to no avail. The agents are not knowledgeable and no one seems to want to assist me. When I ask them to look for the documents they find them. However the following week I get a call asking me for the same thing over and over again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: CREDIT BUREAU OF NEW ULM, INC.
State: GA

Complaint narrative:
Phoenix Management XXXX ... Debt Collector contacted me about XXXX separate online Music supply stores. XXXX was XXXX XXXX. {$230.00} EA. AND THE XXXX ONE WAS XXXX XXXX # XXXX for {$500.00}. I told the guy on the phone, I would much rather pay the exact places back because I had a Music credit card with them and I did n't want to permanently lose my credit. He said, '' Well, if you start a payment plan with us, It will keep your National credit clean and these XXXX accounts will fall off your credit. Everything 's going as planned. The XXXX XXXX get paid off and drop right off my credit. Then XXXX XXXX # XXXX for {$500.00}, After an additional 6 weeks than normal and 15 fax 's, The balance is XXXX but the {$500.00} credit that has been as hard as building a PYRAMID! IS STILL THERE? i PAID XXXX % TO HAVE IT CLEANED UP AND INSTEAD GOT XXXX % CLEANED UP. THEY CAN EITHER " CLEAN UP '' THE OTHER {$500.00} AND MARK IT UNPAID AND SEND IT BACK TO WHERE THEY GOT IT. ME! sINCE THEIR XXXX % BUYING % PRICE= {$150.00} A ) OR B )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
My loan servicer improperly imposed a late payment penalty of XXXX % of loan principal XX/XX/2015 before loan balloon payment was due XX/XX/XXXX. They also failed to answer a question about refinancing loan that loan doc says is possible ( they claim they are not a financial institution ). They have demanded that final payment be in certified form wich is not required in loan doc. 

When I write to point out their errors they write back and say they have reviewed everything and everything is correct. The loan payment date is quite clear in loan document. They refuse to admit error. I have offered to pay all principal and interest due at balloon date but lender refuses to accept unless I pay late fee as well. 

They now threaten foreclosure

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 2016-02-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
My personal information was fraudulently used as a co-signee by XXXX XXXX XXXX for a medical credit. It was approved for her with out proper verification. Only my name and social security number matched what XXXX XXXX XXXX, the company that issued the credit to XXXX XXXX has on record in the application. Every other information, date of birth, address, job, telephone, wage, and email did not match, yet the application was approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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:
Equity Loan bought out by SLS.. Sent new contract - I signed and returned. Then 1 months later SLS sent corrected addendum to loan because SLS did n't include what they say correct loan information. The new information was stating my loan amount would double on certain date and interest rate would increase. I have asked for a loan modification and SLS sent me a 36 month temporary modification with no change payment amount or interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANCORP
State: PR

Complaint narrative:
My father was a XXXX Veteran. He purchased a home using a FHA loan in XX/XX/XXXX. In XX/XX/XXXX he passed away. None of the heirs are in a good enough financial position to assume the loan. I am the youngest son and I am actually living in the house right now but I am unemployed and do not qualify for a loss mitigation program. The house was put up for sale with no success. My father 's sister ( my aunt ) was interested in buying the house through the short sale program but I am told relatives do not qualify for this program. I find this rule discriminates against the relatives because it essentially allows non-relatives to purchase the home for a lower price than a true relative can. I, as a son would basically lose a home and the family would lose an inheritance if relatives are not allowed to use the short sale program to save the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I have a mortgage with XXXX XXXX. I had it set up to make automatic payments. XXXX, changed their processor to SLS ( Specialized loan servicing, XXXX ). I contacted this company when my normal payment was not withdrawn. The representative told me that I did not have to make a payment until XX/XX/XXXX. I told them I did not want to accrue interest until then with no payment. I then proceeded to call back as instructed to set up the automatic payments. When a couple of weeks later I received an email stating that the could not find my bank account. Also a letter telling me I was delinquent. ( this all started in XX/XX/XXXX ). Again I verified all my account info and assumed it would work. No such luck again the same process. I called again only to receive another pair of letters. Another call and again the same thing. I called yet again and talked to a person named XXXX, that seemed to know what she was doing, she assured me this would not go on my credit report and investigated the failure to withdraw money from my account. I had been instructed previously to contact my bank as to why and my bank said all the info was correct and the withdrawal would only show account not found if it had been submitted as a savings withdrawal. XXXX said indeed it had been submitted as savings even though in every previous call I had been adamant that it was a checking account. She told me she would call me if there was a problem. This company also records all calls! Well yesterday, XX/XX/XXXX I received a letter stating my mortgage was delinquent ... no for me not trying. I was also told at one point that they use " XXXX XXXX '' for their transactions and did n't take a check. I am beyond frustrated with this company and I have all three payments, XXXX, XXXX, and XXXX in my account and yet another letter making me feel like a deadbeat for nothing that is or has been my fault. I think this company is doing this to accrue interest and cause people grief. A business that ca n't process a simple on line payment that I have never had an issue with can only be interested in their bottom line and nothing else. I told them the last time I called I am going to pay the loan off just to get rid of their poor customer service and threats with no basis letters in XXXX, but I am afraid I will never be able to manage as they can not seem to process a simple transaction. Please help me! I am sure this will also help others as well

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 2015-12-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Monterey Financial Services LLC
State: MD

Complaint narrative:
I ordered an exercise machine from XXXX off of a television infomercial. I agreed to pay XXXX payments of {$49.00} per month. One month after receiving the equipment I received a letter from Monterey Financial Services advising that I have a loan with them. A week later the account showed up on my credit bureau report. I never agreed to having an installment loan placed on my credit bureau reports. XXXX XXXX took it upon themselves to set up an account with Monterey Financial. During the course of paying for the equipment I got behind and Monterey Financial reported me as 61-90 days past due. When called Monterey and advised that I was going to sue them as I never gave authorization for them to open an account in my name and place it with the XXXX credit bureaus. XXXX the representative I spoke with received authorization from her supervisor XXXX XXXX that Monterey would change the status to paid as agreed if I paid the account off.I checked my credit files and found that they only reported the account as paid but with late payments. This was not the agreement. Further more the account should have never been placed on my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Torriere Holdings INC
State: CO

Complaint narrative:
on XXXX/XXXX/15 i recieved an automated dialer call from Spire recovery. they left a message on my voicemail for my sister in law. they disclosed on the voicemail that she had an account in collections and disclosed the account number on my voicemail. i contacted spire via phone and was told they were handling an account for my sister in law and provided me a file number to reference. the dialer they are using features predictive dialing features which is a violation of the TCPA. Spire disclosing account information on my voicemail is a violation of the Gramm-Leach-Billey Act. the fact i was told they are handling an account is 3rd party disclosure and a violation of the FDCPA. They never stated their communication was an attempt to collect a debt by a debt collector. This is a violation of the FDCPA. i contacted the owners of the business XXXX and XXXX XXXX regarding these violations. they in turn had a business partner by the name of XXXX XXXX contact the owners of the company i work for. XXXX disclosed my sister in laws account to the owners of my company. This is a violation of the FDCPA again by disclosing 3rd party information. I believe Spire is not licensed to collect debt in any state and they have absolutely no regard for the law or rules.

Company response to consumer: Closed with explanation