vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I was called by the number XXXX. I was asked to verify my name. I did. I asked who was calling. They did n't answer the question, but instead asked me to verify my social security number. I told them I was not giving some stranger on the phone my security number if they would n't even tell me who is calling. 

The caller ( a woman ) rudely said she would " mark on my file my failure to cooperate ''. She then hung up. 

I looked up the phone number on the internet and it belongs to Medical Revenue Services in Florida. 

" Failure to cooperate '' should NOT be listed in any file pertaining to me when the caller FAILED to identify their identity to me or why they were calling. I feel this is a fraudulent practice and such practices should be ceased!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am the victim of identity theft. On XXXX XXXX, 2015, I received an alert from a credit monitoring service that someone ( likely the person who has been fraudulently using my social security number to attempt to take out loans and obtain other lines of credit ) had attempted to open a line of credit with American Honda Finance using my social security number, or other personally-identifiable information. This showed up on my credit report as an ( erroneous ) inquiry. 
I telephoned American Honda Finance ( " AHF '' ) on XXXX/XXXX/2015 to request removal of this fraudulent inquiry from my credit report, speaking with " XXXX '' ( the only " XXXX '' at the call center ; he would n't give me his employee ID number or extension ). I spoke with XXXX at length, but he refused to assist me in any way. He repeatedly insisted that my only recourse was to call the credit bureaus ( e.g. that as a consumer, I could not request assistance from AHF directly ). This, despite my *repeatedly* telling him that under federal law ( the Fair Credit Reporting Act Section 623 ), as a furnisher of information to credit bureaus, AHF is and was *required by law* to assist me to resolve the fraudulent inquiry as a victim of identity theft. I asked to speak to XXXX 's supervisor, but XXXX repeatedly refused to transfer me - or to give me the phone number of AHF 's fraud or credit department. 
In short : AHF is in standing violation of the Fair Credit Reporting Act in providing me absolutely no recourse, as a consumer who is a victim of identity theft, to dispute this fraudulent entry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Northwest Trustee Services, Inc.
State: WA

Complaint narrative:
I represent XXXX and XXXX XXXX who own a home located at XXXX & XXXX XXXX XXXX, XXXX, WA. On XXXX/XXXX/XXXX Northwest Trustee Service [ NWTS ] issued a Notice of Trustee 's Sale set for XXXX/XXXX/XXXX. Under state law, the trustee is a duty to act impartially and in good faith to the borrower, beneficiary and grantor. I 've been in communication with NWTS attorney XXXX XXXX regarding whether or not XXXX Bank has the actual note. XXXX XXXX wrote that he had been in communication with XXXX 's attorney on the issue but refuses to identify that attorney. I believe NWTS is acting as both trustee and XXXX 's attorney. I believe that is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I check my credit report regularly. Today I saw a notice that I had been hit with a 30 day late payment for a previous auto lease ( over 11 months old ) with Honda. I checked my online account, and saw that there was a charge of {$38.00} for one month 's worth of property tax due to Honda. I had closed that account as I leased another car with Honda. I paid my final payments. I even paid the property tax for my new Accord a few months later. I received no notification, no correspondence, no phone call regarding any additional property tax due. Instead, I have a negative mark on my credit report now, which can not be removed according to the Honda representative I talked to shortly after immediately making my payment. She inferred that I had dodged calls and correspondence for this charge. I would never dodge a payment. There is no circumstance in which I would ever evade calls from accounts to which I owe money. 
I am disgusted that even after paying the account, nothing can be done to correct the credit report which denotes that I am now 30 days late on an auto lease no longer in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
Seeing my FICO score on XXXX 's free scoring model was XXXX ( list " as of XXXX XXXX '' ) last weekend ( on XXXX XXXX ), so I called to apply for a refinance. 
The bank ran my credit ( thus reducing my score perhaps a little. ) They ( State Farm Bank ) quoted a score of approx XXXX. 
I asked where they got the score. They said it was from all XXXX bureaus, and gave me scores of XXXX, XXXX & XXXX. 
I called XXXX today and they could n't help to explain the discrepancy. 
Their online number had been updated to a new date w/a lower XXXX of XXXX -- still close to the first one. 
They referred me to XXXX 's Credit Bureau desk ( in XXXX? ). 
There they said they could n't help, and told me to call the bureaus. 
I called XXXX, circled through a few desks where they read their scripts, none of which offered any increased understanding or insight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I was working with KEEP YOUR HOME CALIFORNIA about my home mortgage and they requested a mortgage statement and they refuse to send it to me and to me and KEEP YOUR HOME CALIFORNIA therefore I just got call from KEEP YOUR HOME CALIFORNIA that they denied me because of not getting the the document they requested. 
what happened to my case with KEEP YOUR HOM CALIFORNIA is souly SLS fault fault for refusing to send the document needed. 
I need immediate action befor SLS take my home.

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 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
Failure to pay my property taxes by SLS, even though I have called them over 7 times and asked them to pay them. They refuse to call me back. Also, they paid the property taxes on another piece or property I own which was refunded to SLS in the amount of {$94.00} by the XXXX XXXX tax assessor who informed SLS that they paid the wrong taxes. SLS refuses to credit my escrow account for the refund. I faxed them a copy of the correct property tax assessment on or about XXXX XXXX, 2016, which they confirmed receipt of and yet they refuse to pay the property tax and refuse to call me back and/or speak with me. Now there are over {$100.00} in interest and penalties due in addition to the {$1500.00} in property taxes. I have made 7 or 8 phone calls in the last two months to no avail. The representative tells me they are researching the problem ; she then transfers me to a supervisor which goes directly to a voice mail. After leaving a long detailed message, I have not received one phone call back and the delinquent tax bill which is now 3 months overdue is still not paid.

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 2016-06-12 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: SANTANDER BANCORP
State: PR

Complaint narrative:
XXXX XXXX. 

On XXXX XXXX, 2016 Banco Santander forwarded a letter to me advising me of a second notice of payment. This letter was given to my son by a neighbor which we do not know, because it was placed in their mailbox incorrectly. 
The issue is that Banco Santander violated my privacy by providing in clear view inside the address window my full name, address, the reference being a personal loan, including my account number, the total amount due for the loan, and that it was a second notice. 
This violated my rights by a financial institution by providing in open view private information that should have not been previewed in plain sight. 
I made contacted Banco Santander on XXXX occasions. XXXX XXXX ( supervisor ) on XXXX/XXXX/2016, And XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX. As of this date my financial institution has not return my calls made any attempt to contact me nor provide a resolution to this date. 
This issue openly embarrassed me in front of my neighbors, and my children. I formally request an investigation, and fines to correct this abusive practice by Banco Santander. Enclosed are pictures of the envelope as received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
SLS sent me another request for documents, requesting the same documents which I previously provided several times. I resent those records today, and then sent additional documents. SLS also again personally harassed me today, even after I have reported a similar incident. This morning, a car pulled into my driveway, rang my doorbell and then waited in my driveway for me for several minutes. I went out and asked what was going on, and a woman exited her car and said that she was from " SLS '' and that she had come to see if anyone was living at my home and also told me to call my mortgage company immediately. She also said that she left something on my doorstep. This is the same thing that happened to me a few weeks ago. I asked her if she had ever been at my home before, and she said no, but she looked like the same woman and the same passenger who had come to my home previously. She left me a " confidential '' note on my doorstep, but waited for me to come out of my house to walk up to me and talk to me also. I asked her why she had no identification and she said that she did not have to have any. She had XXXX county license plate number XXXX. She said her name was XXXX XXXX. The note inside says " Urgent Notice : please contact your mortgage servicer immediately, '' but then gives the number which is not SLS ' number. When I tried to contact SLS afterwards, they hung up on me XXXX times, so I could not get through to anyone to see why this had occurred and to ask why I was to contact SLS, and also to ask why I was given another number which was not SLS ' number. This is harassment. SLS has been given my contact information repeatedly. There is no reason for SLS to send persons to come and park in my driveway, wait to confront me personally, and leave me an " urgent '' notice on my doorknob, other than to harass and intimidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Specialized Loan Servicing ( SLS ) who acts a servicing company for mortgage banks, started servicing a current loan, on XXXX/XXXX/16 SLS sent a letter indicating " that if i dispute the debt within 30 days SLS will obtain verification of the debt, on XXXX/XXXX/16 i sent a dispute letter together with a QWR but as of today there is no response from SLS but they are continuing to collect on the debt,

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 2017-02-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
WAKEFIELD XXXX XXXX TN XXXX XXXX The company claims that I owe {$970.00} for a medical bill that was already paid through my insurance according to XXXX in XXXX, TN. I have been to civil court several times however we never see the judge. I consult with the lawyer and we always reschedule. This item is negatively affecting my credit score, and I wish to resole it quickly.

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 2015-06-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Paramount Capital Group, Inc.
State: NC

Complaint narrative:
ok in 2012 my school in XXXX N C XXXX XXXX was a XXXX week course and they set you up for a loan that you will never pay it off. they charge me 19 % interest i didnt know that until i left the company i worked it was XXXX XXXX XXXX XXXX TN XXXX I WORK THERE ALMOST A YEAR. PAYING THE LOAN FOR XXXX DOLLARS A WEEK IN FOUR YEARS THAT WAS A LIE. NOW BECAUSE OF THIS LOAN IT WAS XXXX DOLLARS TRYING TO PAY IT OF SEEN 2012 3 YRS NOW I ONLY GOT DOWN TO XXXX XXXX AND SOMETHING DOLLARS. IT HAS DESTROY MY LIFE COMPLETELY I LOST MY FAMILY I HAVE A SON WHO IS NOW XXXX YRS OLD I LEFT MY WIFE BECAUSE OF THE FINANCIAL BURDEN CAN PAY IT OFF BECAUSE THE INTEREST IS SO HIGH I AM ALWAYS HAVE A MONTH BEHIND I AM ONLY PAYING THE INTEREST NEVER WILL I CAUGHT UP IN PAYING IT OFF. I AM A MALE XXXX YRS OLD MY HEALTH SITUATION IS VERY POOR I ONLY MAKE LESS THEN XXXX DOLLARS WEEKLY I LIVE ALONE IN A APARTMENT PAYING XXXX XXXX DOLLARS FOR RENT THAT NOT INCLUDING GAS BILL WATER FOOD CABLE CAR INSURANCE TAX ETC ETC ETC I AM ALWAYS POOR BROKE AND NO FOOD TO EAT. MY LIFE IS MISERABLE, I NEED HELP THERE IS NO ONE TO HELP ME PLEASE, TELL ME WHAT SHOULD I DO NEXT. AND THERE ARE. XXXX XXXX AND THERE ARE XXXX OF PEOPLE THAT I KNOW ARE IN WORSE SITUATION THEN MY SELF. THESE SCHOOL ARE DESTROYING PEOPLES LIVES. THE LOAN BANK IS PARAMOUNT CAPITALGROUP XXXX XXXX XXXX PA XXXX 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 2016-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

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

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: United Student Aid (USA) Funds
State: AZ

Complaint narrative:
These people continue to harass me and threaten to garnish my wages. In the last month they have made me submit the same information to them 3 times and each time threatening to contact me place of employment to withhold my wages even though I was still in the 12 month grace period because I had been unemployed. I do not have money to pay these people and will have to quit my job because I will not have money for gas to get to work. The following is a breakdown of my current wages and expenses. This has been an ongoing issue with USA FUNDS AND XXXX XXXX XXXX. BOTH COMPANIES CONTINUE TO HARRASS ME AND SEND ME THREATENING CORRESPONDENCE THAT MY WAGES ARE TO BE GARNISH EVEN THOUGH I HAVE REPEATEDLY SUBMITTED DOCUMENTATION THAT I BEGAN MY CURRENT POSITION IN XXXX 2015. IN THAT TIME THE COMPANIES HAVE ATTEMPTED TO GARNISH MY WAGES 3 TIMES IN LESS THAN A YEAR. 
I CURRENTLY MAKE {$36000.00} AND MY TAKE HOME PAY IS {$1000.00} EVERY TWO WEEKS WHICH EQUALS {$2100.00} A MONTH. 
RENT : {$1000.00} ( 12 MONTH LEASE ) ELECTRICITY : {$140.00} PHONE : {$150.00} ( 2 YEAR CONTRACT ) CAR INSURANCE : {$150.00} CABLE : {$31.00} ( 12 MONTH CONTRACT ) GAS TO GET TO WORK : {$300.00} ( I HAVE TO UTLIZE MY VEHICLE DURING WORK ) FOOD : {$250.00} ( I UTLIZE THE LOCAL XXXX XXXX FOOD BANKS TO OBTAIN EXTRA FOOD DURING THE MONTH ) THIS IS A TOAL OF {$2100.00} I HAVE NO XXXX MONEY LEFT TO PAY ANYTHING! 

SINCERELY, XXXX XXXX ATTACHED ARE THE BILLS FOR ALL MY EXPENSES

Company response to consumer: Closed
Consumer complaint received 2017-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds
State: OH

Complaint narrative:
Usa funds has taken my tax return and i am on a rehabilitation program with them since XXXX of this yr. I needed that money to buy a car and pay my landlord rent an deposit where i just oved in. I hope this is the correct area to send this i really need some urgent response thanks

Company response to consumer: Closed
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My account was reassigned to this company effective XXXX 2015. When I XXXX received their bill notice, it stated I was 90 days over due. When I phoned & spoke with a person, I informed them that my account was just reassigned as of this month. They kept telling me I was 90 days behind. I paid the balance on XXXX, and I recently received a bill with an outstanding balance and added charges. A person arrived to my residence today, XXXX & handed me a note to call mortgage company. It was the wrong mortgage company. He started to take pictures of my residence. This debt collection company is acting as if I have not paid the balance due. They have initiated steps towards a " foreclosure '' on my residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
My mortgage was sold to SLS Mortgage in XXXX 2015. For the duration of my mortgage between all the lenders I 've had, my homeowners insurance has been paid from my escrow account. For some reason, this has stopped, and I find out with a letter from my insurance company. I should also mention that my monthly payment has n't changed, so now I 'm suddenly paying the additional cost of my insurance. I called the lender and I called the insurance co. Both bounced me back & forth on this. In the meantime, I 've had to pay a few installments of the insurance to keep it active. But this week, I get a letter from a collection agency from the mortgage company which infuriated me further. All while I am still waiting for SLS to do research on this matter and get back to me on why this happened and what we can do. I take my credit extremely seriously, and I want my mortgage company changed. I did n't pick them, I do n't want them servicing me. I want to make sure my credit is n't impacted. At present both XXXX & XXXX report my credit at over XXXX. I have not missed nor been late with any mortgage payment, and I 'm not happy with the service of this company I 've never heard of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
My prior complaint regarding an unauthorized XXXX XXXX has transgressed into aggressive collection by a XXXX XXXX XXXX North Star Locators XXXX. My wife as well as my employer have now XXXX received collection type phone calls regarding this erroneous account. I have received a letter from North Star telling me to respond within the next 30 days. This is my official response to them as well as XXXX. I have not intention of contacting either directly as the error is on their side, I have not authorized any account in my name through either institution. Any phone correspondence should henceforth cease. The error has been previously acknowledged by XXXX and the account was closed as a result. I previously requested some form of account validation and have received nothing but continued harassment for the past 6 months.

Company response to consumer: Closed
Consumer complaint received 2016-08-27 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: Full Circle Financial Services, LLC
State: AZ

Complaint narrative:
We received XXXX letters from Full Circle Financial Services claiming we owe {$150.00} to Shark Rocket Deluxe Pro Vacuum. I replied to the first letter stating we do not owe this money and have never done any business with XXXX XXXX. We then received a second letter. We do no own a XXXX XXXX Deluxe Pro Vacuum, nor have we ever considered owning one. They also claim it was paid for with a XXXX ending in a number that is n't any card number we have ever had.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation