vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
I had finished a " Making Homes affordable '' program here in Michigan with Specialized Loan Services ( SLS ). They received an allotment of money from the program each month and I furnished a lower version of my normal monthly premium. When the program came to an end, my mortgage went back up to its regular amount. I began making a regular payment and certainly able to do so, now that I am on retirement social security. Without notifying me ahead of time, SLS switched my mortgage back to XXXX XXXX XXXX XXXX XXXX XXXX. I was notified only after the fact, when my payment was en route through the postal service. Within a very short time, ( again without prior notification ) XXXX sold my mortgage back to SLS. Again only after I had sent out another payment. I have been making steady payments with no issues, but two days ago i received a certified letter from SLS saying they are going to foreclose within thirty days, because there is an arrears of XXXX. I am enclosing copies of receipts of my payments and all letters I received.

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 2015-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
XXXX XXXX of Northstar Location Services ( XXXX ) is continually calling our phone number looking for my sister in law stating they are collecting a debt. We do not know how they got our number & my sister in law knows nothing about this. I e asked them to stop calling, to remove our number to no avail. I looked the company up & I see XXXX complaints. Please do what you need to do to shut this down asap!

Company response to consumer: Closed
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: American Revenue Management, Inc.
State: CA

Complaint narrative:
I noticed an unknown account on my credit a few years ago, and since then have sent American Revenue XXXX notices, including my police report showing I 'm a victim of identity theft and they continue to ignore me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 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: Robinson, Reagan and Young PLLC
State: WA

Complaint narrative:
I was contacted by the firm of Robinson , Reagan & Young ( RRY ) regarding a disputed debt with XXXX XXXX. In their letter dated XXXX XXXX, 2015 RRY indicated that they would not submit negative information to a credit reporting agency about this credit until after 30 days had expired. I was notified by a credit monitoring service that RRY filed a collection notice with XXXX on XXXX XXXX 2015 ; with XXXX on XXXX XXXX, 2015 ; and with XXXX on XXXX XXXX, 2015. RRY failed to follow the terms of their letter and provide me with 30 days to contact them before reporting to the credit reporting agencies.

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 2016-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have tried to get XXXX assistance with SLS servicing for 7 years. They lost my paper work for 7 years. when they finally came to a conclusion and agreed to give me a loan modification I was un able to afford it. I found a real estate agent and listed my property. 
SLS is refusing to give me ample time to sell it. Short sales take a while but not 7 years like SLS took. I want to get me sale date postponed and they refuse. We have a ready and willing buyer but needs a little more time to get the loan approved by fannie mae. it is a improvement loan and buyer need to add husband so the loan has to go back to underwriting. we asked for 30 day extension and they flat out refused. saying the investor has n't been paid for 7 years but that 's not my fault they are the ones that strung it out. 
SLS was so forceful in foreclosing my homer last year I had to file many complaints. like this XXXX. They are unfair and not abiding by the rules.

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 2017-01-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On or around XXXX Doral Mortgage Bank had an aggressive campaign for mortgage lending.Around XXXX, XXXX XXXX I applied for a loan.I was awarded a XXXX loan of XXXX dollars at a 6.75 % APR.Around XXXX when interest went down I applied for refinancing at a lower rate.They denied me refinancing because the house had to be totally built in concrete.This made me wonder because they awarded me the loan when the house was not finished and they new exactly the condition and the materials the house was made of.Soon after that the Bank Disappeared .Popular Bank took over it 's assets .Around XXXX XXXX I tried with this Bank to refinance at a lower rate.They also denied me refinancing.They gave me more or less the same reasons as did Doral Mortgage with the added reason that I had to get a certification from a structural engineer.I wrote a few letters to this bank but no direct answer nor satisfactory explanation as to why the house was eligible in the first place for a XXXX Loan .I am XXXX years .I have a XXXX pension of XXXX dollars.I pay XXXX dollars mortgage and the Federal Board assign to the XXXX because our corrupt politicians drove the XXXX into banckruptcy will be cutting pensions down.This will be happening within the next 6 months.

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 2016-07-18 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:
I am currently attempting to modify an existing XXXX mortgage ( HELOC ) that will be maturing around XXXX/XXXX/2016. The loan is currently serviced by Specialized Loan Servicing LLC or SLS. I 'm attempting to get an extension of the maturity date of the second mortgage since my home is currently underwater in order to avoid a foreclosure or short sale. In the 10 years I 've had this mortgage I 've never once been late, on this second or the first. I began the process of modifying/extending my second mortgage nearly 7 weeks ago with essentially no progress being made during that time, even though I have provided SLS with all the documentation they have requested thus far. I have sent them my pay stubs 5 times now, with each time SLS claiming they either did not receive them or claiming they were unreadable. I receive no feedback from my single point of contact when there is a problem with any of the paperwork, with the responsibility being on myself to constantly call them to status my paperwork. I do not necessarily have a problem calling them to stay on top of things, but the problem with SLS is that they do not answer in bound calls. When I call my single point of contact, XXXX ( Teller ID XXXX ), all I get is an option to arrange a call back. Call backs typically happen two days later, which results is big delays. The biggest issue I 'm facing is that as this process gets drawn out by SLS, paystubs and other documentation become stale and then needs to be resent. On Thursday XXXX XXXX I had my last conversation with XXXX, where she informed me once again that the paystubs I faxed in were hard to read. Prior to that, I had overnighted the paystubs at my own expense, with one time them being lost and the other them becoming tale due to the inaction of SLS in advancing my request. During this last conversation, I expressed my frustration with both her and SLS. She informed me that she is currently assigned over XXXX accounts/clients and does n't have the time to call me back or stay on top of my file. At that point, I requested a call back from a supervisor. As of today, XXXX XXXX I have still not received a call back from her supervisor. In addition, I have called numerous times requesting a call back from XXXX but have not received a call back from her or anyone else at SLS. I am growing frustrated and scared because my loan maturity is now only 4 weeks ago with no sign that SLS is capable of advancing my request. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has reported incorrect information, and these collections should have been taken care of already. I had insurance at the time and they never billed insurance. They were to remove the XXXX items three months ago, and they still appear on my credit reported, hurting my credit as they are in collections with Wakefield collections/XXXX XXXX XXXX center. Please help me to get these removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
In 2007, I had leased a vehicle through XXXX. At the end of the lease terms, I requested to continue ownership and make payments on the vehicle since the car company was no longer in business ( XXXX ). My request was refused. I surrendered the vehicle at the company 's request and continued to make payments. I fell behind on payments since I needed a vehicle to get around ( based on my location and XXXX ), I entered into another car loan agreement. When I began to remit payments on the surrendered vehicle, my payments were refused and returned electronically by my bank, as I was advised that my account had been closed and charged off. Subsequently, I was contacted by an outside collection agency regarding the balance. I made payment arrangements with the XXXX and had submitted payments as agreed. Sometime after I was sending payments, my payments were being returned to me by my bank - after contacting the outside collection agency regarding the returned payment, the XXXX advised that they no longer had my account and I needed to contact the company, Ally. I contacted XXXX, and the representative advised that they did not have access to my account since the account was closed/charged off. This left me at a disadvantage to remit payments. As a result, my credit score plummetted as XXXX and the collection agency reported that I had defaulted on my payments. I attempted to resolve the debt, but the payments continued to be refused. Recently, I have been contacted by another outside collection agency requesting a different amount from the original balance. I have requested detailed information from them including, but not limited to information on how they came up with the amount they are trying to collect, verification that the statue of limitiation has/has not expired, proof they are authorized to collect in my state, which they have not provided. They only sent a copy of the lease agreement and a statement with a different amount that they are attempting to collect.

Company response to consumer: Closed
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Fairway Independent Mortgage Corporation
State: PA

Complaint narrative:
While searching for a lender to apply for a new purchase VA loan, I was promised by XXXX XXXX at Fairway Independent Mortgage Company in XXXX, DE that she could match any interest rate from a competitor. Because of this promise, I chose to apply with her and continue searching for better rates that she could match. After finding a rate that was significantly better than the rate at Fairway, I presented it to XXXX. She came back to me with an offer of a rate that was between Fairway 's rate and the rate I presented her. When I asked her why she was not matching the rate as promised, she said they would lose money on the transaction. I felt that I was promised something that they could not deliver in order to capture my business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
I have been called XXXX by a debt collection agency at my place of work for the debt that my daughter is supposed to owe. The person acknowledges that I do not owe them a debt, but wants to contact her and that is why I am being called. I am registered on the do not call list. I told the debt collector, XXXX XXXX that he would be reported to the FTC. He was unhappy when he heard that.

Company response to consumer: Closed
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stanislaus Credit Control Service, Inc.
State: CA

Complaint narrative:
I was charge for services not rendered. Letter sent explaining issue. Physician in XXXX at XXXX Hospital, XXXX XXXX, Ca refused to treat me, so I went to another facility. They are trying to collect on services not rendered. XXXX XXXX XXXX XXXX and CA XXXX XXXX XXXX have turn the claim over to a Collection Agency, Stanislaus Credit Control Services , Inc. in XXXX, CA.

Company response to consumer: Closed
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My loan was transferred to SLS while at the very end of a modification review. I was in foreclosure, but did not have a sale date. I would call to check the status and for months I was told that the documents were still being reviewed. I then received a letter requesting additional documents by XXXX/XXXX/16, I met the deadline by mailing in the documents before the date on XXXX/XXXX/16. I called to follow up and was told that the documents were not yet received, but not to worry and it was normal. I was nervous, so I resubmitted the documents via email on XXXX/XXXX/16, to the point of contact I was given. When I got through to him to discuss the application, he told me that the documents were not received & that only a limited number of pages could be accepted via fax or email. This was not indicated in the package, where the acceptable methods to submit documents are explained. He told me my review was closed. He said SLS would reopen my review & likely reassign him. In the meantime, he asked that I submit updated documents. I submitted the documents. I then received a letter dated XXXX/XXXX/16, indicating that the initial submission was received and requesting additional documents by XXXX/XXXX/16. I know this is confusing, basically SLS said they did not receive documents by XXXX/XXXX/16, however sent me a letter indicating that they did. I was given the wrong information. I was gathering the additional requested documents, again & at the same time just received a Notice of Sale date for XXXX/XXXX/16. I have followed all of the requests by SLS, yet while working on my modification I was given a sale date notice less than a month away. I have a difficult time getting through, I have updated my number several times and they still have the wrong information. I am told different things via mail and on the phone. I am now worried that I am not getting a fair chance at a review, and have incurred more fees associated with the foreclosure. Please help me.

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 2015-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Malcolm S. Gerald and Associates, Inc.
State: IL

Complaint narrative:
Malcolm S Gerald & Associates XXXX has been repeatedly calling me from the number XXXX XXXX XXXX. They keep asking for Date of Birth, without even specify purpose of the desired call. It is very annoying for repeatedly being contacted with no specific reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Malcolm S. Gerald and Associates, Inc.
State: IL

Complaint narrative:
My account is NOT in collections. I have spoke with the medical center where I received treatment and verified this,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Central Credit, Inc.
State: VA

Complaint narrative:
I have been paying a month amount as part of payment plan, and as the principal has decreased, the interest has increased which does not make since. The company will not disclose the interest rate and when I questioned it, was lied to an told that there was also another debt sent to the company by the original company for fees due in 2015. I was also told that is trade practice for upcoming fees to be sent collection and not billed to the person if they were already in collection. The fees for 2015 have not even been invoiced by the original company and when they are they are due in XXXX 2015. I have verified this with the original company and notified them that something shady was going on with the collection agency. Also the amounts I am given over the phone and on the letters/invoices sent to me each month do not match. I think the practices of Continential Central Credit need to be investigated as they are being untruthful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing XXXX company owes me {$3000.00} money they held in a suspense account and never payed me back after close of escrow per XXXX XXXX at XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC
State: MO

Complaint narrative:
A company Northstar Location Services ( phone number XXXX ) has called me multiple times looking for a consumer. The consumer is not me nor do I know the consumer. I have notified Northstar each time they call that their skip tracing is faulty and they are calling the wrong number. Every time, they assure me that they are removing my number from their system and then, the next week, I receive another call from them. 

The company is calling me repeatedly at work after being notified that it is the wrong number and the company is failing to maintain an effective internal Do Not Call list.

Company response to consumer: Closed
Consumer complaint received 2016-03-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica
State: PA

Complaint narrative:
Comerica Bank Parent Company of Direct Express, has failed and/or refused to issue my Social Security Benefits and a timely and prompt fashion. On at least two occasion XXXX XXXX and XXXX XXXX deadlines were failures. I tried to exhaust my remedies at corporate level but to no avail. I spoke with gentlelady for the eastern board name XXXX. I explained to her I went to the postal office on 2 different occasion s superior told me there was absolutely no mail for for direct Express. I told her this the answer she could offer is that pay federal XXXX for XXXX dollars. Keeping in I 'm on a fixed income and over on rent other bills.then spoke with XXXX who operates Quailty service for Comerica bank. She totally avoid Ed me.I ran out of options. This complaint is my last resort. To this date XX/XX/2016.I Respectfully ask that CFPA look into this matter at your earliest convenience. And compel These entities with all rules regulations of law. To issue my debit MasterCard. ASAP and and other relief you may offer thanking you in advance for your assistance ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Curtwright & Klein, LLC
State: MA

Complaint narrative:
Called and left voicemail stating that some debt was filed pertaining to my Social Security number and that I needed to take immediate action and called them right away. I have no delinquent debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 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: NY

Complaint narrative:
XXXX XXXX/ Pinnacle Credit Services is attempting to collect on a debt that I do not owe. I never received the service for which I am being charged. XXXX XXXX was not even allowed in my area at the time.

Company response to consumer: Closed with explanation