vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-29 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: BANCO POPULAR DE PUERTO RICO

Complaint narrative:
On XXXX XXXX a wire transfer of {$23000.00} was made through Popular Bank from a corporate account in XXXX XXXX to a supplier 's corporate account in XXXX Bank, XXXX. To this date XXXX/XXXX/2015 the funds have not been received by the beneficiary. After numerous contacts and follow ups with Popular Bank 's representative we have been provided with little information as to what is going on. The bank charged me {$20.00} to do a TRACE on the transaction and 10 days later i still do n't have an official answer. after numerouse follow ups Popular Bank finally informed me that the funds were being withheld by XXXX XXXX XXXX XXXX XXXX bank ) because of an XXXX regulation. I verify the XXXX list and my supplier is not listed by XXXX and I ask the bank about it and they do n't know what the issue is because its XXXX XXXX XXXX holding the funds. On XXXX XXXX, Popular Bank informs me I need to provide additional information from the beneficiary, this information was provided the same day. Ten days have gone by and still we have no answer nor explanation as to why the money has not reached its destination or been re-deposited in my corporate account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Monterey Financial Services LLC
State: UT

Complaint narrative:
This company has ignored attempts to provide proof of the debt, they have ignored my request to delete this from my credit or provide what the FDCPA 15 USC 1681 623a7 requires. They have threaten ignored and seems to have a calloused disregard for my rights and the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In the process of refinancing. My partner had a bankruptcy and its not closed yet due to some property being sold. SLS stopped reporting our payments to the Credit bureaus. 
We are applying for a new VA loan. When the new mortgage company contacted them they said we were late with XXXX payments. We have our cancelled check ( attached ) that show we have made all payments and are not late. We have to have a clear report from them and they have made if very difficult to get items needed. Thank you for any help. I think my loan is conventional fixed. 

XXXX XXXX

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 2016-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
SLS unnecessarily delays payment website password resets requested from https : //www.servicingloans.com, a sub-site from XXXX This delay of hours can make the difference between an on-time payment and a late payment. The delay also encourages consumers to choose to make a payment via phone, or with a phone rep, both of which carry higher fees than processing online. 

Password reset requests on any other financial website I have used processes within minutes, not hours. I successfully requested a reset via XXXX at XXXX, central, today. It is now after XXXX, still no email. I have checked my spam folder, it 's not there either. I have experienced similar delays with password SLS password resets in the past.

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 2015-09-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Halsted Financial Services, LLC.
State: WI

Complaint narrative:
Person called my cell phone first and hung up, he then contacted my home number. I said to this person that you have contacted me without leaving a message or who you are. I told him that I will not give him any of my personal information until he told me what he was calling for. He then started threatening me and telling me to shut up and that he did not have to give me any information. I asked again and again he refused. I told him not to call my house anymore and harass me by cell or home. I also told him that I would report them XXXX. I asked for a supervisor and he once again refused. It then became a shouting match because he called me XXXX. I let him know that I do not talk to debt collectors that I may be reached by mail only. He still refused and said they did n't have to send anything

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I went to the shop called XXXX on XXXX XXXX to get my car fixed, it was on XX/XX/2015.The owner put me on a plan called flexpay plus, after taking me {$200.00} cash only, no receipt was given, for me it was red light.then the rest was supposed to be pay within 90 days or by refinance with high interest,XXXX weeks after i scheduled to pay off the loan within 90 days, they called me and said that they made mistake on the amount that i own them that it should be higher, i said ok, then i have chosen to pay them one time payment in my convenience day but before 90days expired, they did not like it and they start those abuses listed at the bottom 1-They call me all the time. 
2-when they call me and i pick up the phone, there is nobody to talk with me, i listen the music and the voice of lady talking until it tell me press 1 to leave a message and we will call you back 3-they harass me all the time 4-their practices are just illegal Starting i thought i was dealing with XXXX then i found myself dealing with montereyfinancial only few days after signing the contract with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
The have repeatedly called my home and work after I have asked that they stop. They are not the actual creditor, but a third party collector. They are rude and threatening. Even when I asked them to stop calling my job they said they would not stop. there are calling me from several different numbers, including blocked numbers. They are calling from thee numbers ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
My credit was ran to purchase a home and I found out something in the amount of {$400.00} was sent to collections to a company called Berlin Wheeler. I have never been contacted by this company or advised of this debt. However now may not get my loan due to this XXXX issue I was never informed of. I did receive what I took as a fraud call in XXXX of 2015 from a male with an XXXX accent stating they were from the federal government. The message stated if I did not pay them a past due amount over the phone within XXXX hours I would have a warrant for my arrest. I called the number back and spoke with another XXXX accent male, I told him I was contacting the FBI with the number and he hung up. I tried calling back and the number was disconnected. I thought nothing else of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I filed for Chapter XXXX in XX/XX/XXXX and have been discharged in XX/XX/XXXX. I was receiving statements from XXXX XXXX XXXX ever since my loan was reinstated. Recently, on XX/XX/XXXX, my loan was transferred to SLS. I reached out to SLS to inquire about my mortgage statements. SLS insisted I am in active Bankruptcy and because of this, I will never receive any statements. In the meantime, I am blocked from seeing any information online as well. I wanted to make sure my payments were appropriately sent and received by SLS on a timely basis, especially because I never received any payment coupons since the transfer ; and to ensure I am sending the correct amounts due since I also have an escrow account which is analyzed annually. I have reached out to SLS but due to my active bankruptcy status on their records, Customer Service would not entertain my call. I have been transferred to several departments, on hold for 30 minutes at a minimum, only to be told I was connected to the wrong department. Customer Service would n't talk to me and would transfer me to the Bankruptcy Dept. Bankrptcy Dept says I was transferred to the wrong Dept because I am not in active Bankruptcy and would transfer me back to Customer Serivce who in turn would say I was transferred to the wrong Dept and would transfer me back again to the Bankruptcy Dept. I spent 2 hours today being transferred only to end up being told the offices are now closed. 
I just want my latest statement or a payoff demand. Your assistance is greatly appreciated.

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 2016-08-02 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: LA

Complaint narrative:
North star locations services had been constantly calling my phone and sometimes even my mother 's phone early in the morning claiming I owe money to them. My car got picked up XX/XX/XXXX. About two days after I sent my payment through XXXX XXXX sent a repo truck to come pick up my vehicle. About a month later, the north star location services phone calls started. The first call from them thru told me my vat had been sold through an auction. I did not receive any documentation about this matter. Ever since then they have been calling me early in the morning while me and my XXXX are still sleeping. I just want the phone calls to stop because I just about had it.

Company response to consumer: Closed
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
We had a Mortgage Loan with XXXX on our primary home. 
On mid XXXX we received a notification that our loan had been transfer to a different servicer, ( SLS ) Specialized Loan Service, and that we were supposed to start payments with this company on XXXX XXXX 2015.Eventhough, we are making our payments on time every month they are sending letters that we are behind, and they refuse to send us any statements. After several attempts and letters to get our statements they keep refusing to do so. We are worried, since we noticed that we are not the only ones with this problem, and that several people are complaining about this issue with SLS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I received an intent to sue notification in the mail on a debt to an apartment complex from a company called Wakefield and Associates. 
I knew this debt was owed and attempted to pay it immediately upon moving out of the apartment complex. I was told repeatedly that they did not have a balance for me so I quit perusing it until I received this summons from Wakefield. I immediately called them to try to settle out of court and set up monthly payments. Apx 1 1/2 years later I called to try and settle the remainder of the balance and was informed that they had been applying my payments toward a separate debt that was more than 10 years old. I was then told that my balance on the original debt to the apartment complex had been inflated to over {$XXXX} from the original balance of just over {$1300.00} due to attorney 's fees and interest. I was unaware of the medical debt until 2 days ago when I learned they had been paying on that XXXX instead. I do n't know the debt laws very well but it seems that by attempting to pay the debt down, I should n't be sued. It also seems that the money I give a company for a specific debt should be used for that debt and not for whatever they feel like applying it towards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 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: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
AWA is collecting a fraudulant debt. I disputed this with the credit bureaus and AWA responded leaving it on the file and sending me a copy of the " promissory note ''. The signature on the note is a clear forgery. I have attached a copy of this note along with a copy of my signature on a recent agreement. 
They use a small " l '' in my last name..I ALWAYS write my name capitalizing the " L '' in XXXX XXXX. I print it this way and I sign it this way. The " R '' is completely different. I swirl the start of my " R '' You can see where they ran " XXXX '' together..I ALWAYS sign " XXXX XXXX '' I had called this company to see if I would qualify to cosign this note ... but I NEVER went in and signed any promissory note. 

THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
I have sent payments on my loan modification with SLS loan # XXXX. I have gotten behind a month several times but I have always caught up right away. Several times they have taken a payment made in a timely fashion and credited it to principal reduction instead on to the payment. I have had some success in getting them to fix the problem but with the XXXX XXXX payment due on XX/XX/XXXX they received XX/XX/XXXX they credited to principal and said they would properly credit it but did not do that. I made the XXXX XXXX and XXXX XXXX on XXXX XXXX and once again asked them to properly apply the XXXX payment and they still did not do that. Then on XXXX/XXXX/XXXX I called to make the XX/XX/XXXX payment and found out that they had not fixed the XXXX XXXX payment and I reviewed it with them again and asked for it to be properly credited. They once again said they would correct the problem and took the XXXX XXXX payment. When I called to make the XX/XX/XXXX payment they would not take it stating that my account was in default and sent me a notice of default. I was pretty paralyzed but by XXXX tried to get it fixed by phone again and thought I had finally succeeded when I spoke with a fellow who said he would correct the problem and took the XX/XX/XXXX and XX/XX/XXXX payments. Then in XXXX I get a statement that says my interest is 5.25 % when my note clearly says the payment is 4 %. I make the payments by phone because every time I send XXXX it gets credited to principal and not to the payments and I do not understand why. I have the names and most of the dates I talked to everyone if needed. I faxes them a " qualified written dispute '' regarding the payments, which is what I was told to do, on XXXX/XXXX/XXXX which they say they did not receive, so I sent it again on XXXX/XXXX/XXXX which they also said they did not receive, so I sent it again on XXXX/XXXX/XXXX by certified mail. I finally got a letter stating they received the fax on XXXX/XXXX/XXXX. Then when I found out they had the interest rate wrong I send another " qualified written dispute '' on XXXX/XXXX/XXXX. They say they have not received that one either when I called on XX/XX/XXXX or today on XXXX/XXXX/XXXX. I need to make the XX/XX/XXXX payment and they will not take it. I have transaction receipts for the faxes, a return receipt for the mail and names and dates for most of the calls I have made to them. 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 2016-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My client is XXXX XXXX the daughter to XXXX XXXX. XXXX XXXX is responsible for the payment of mortgage. She has a financial hardship in that she had lost her job and her unemployment had expired. My office is preforming a short sale and the property has been listed. There is a residential listing agreement. There was a deed that needed to record from XXXX to XXXX to correct a title issue. XXXX XXXX would not execute the Deed per title requirements as XXXX XXXX had failed to hold up an end of the agreement. I have mitigated this situation and now XXXX XXXX has executed the Deed. We have the deed to complete the transaction and is being recorded concurrently when we close. Title is opened with XXXX XXXX XXXX and XXXX XXXX XXXX.

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 2016-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
Halsted uses automated dialers to call me repeatedly from spoofed phone numbers. They call & as soon as I answer they hang up. Sometimes they call & hang up as much as 3 times per day. A few of the phone numbers they have used are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Halsted also refuses to give me a mailing address so I may send them a cease & desist contact letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
A. Received voicemails that were unclear. B. Received letters indicating different amounts of debt -- -1st {$600.00} then {$5000.00} ( approx. ). 
C. Never received statement of presumed debt from presumed original creditor. 
D. Never received notice of validation. 
E, An erroneous credit report was filed Company is Wakefield and Associates-XXXX, Colorado

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 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC.
State: OR

Complaint narrative:
I have had a loan with Plaza home mortgage for several years. I recently sent a check to pay off the loan. The check was returned with a letter that states that they do not accept personal checks for final loan payment. The letter also stated that I was continuing to be charged interest on the loan. I also have a late fee because I did not make my payment on time. 
I have asked to have a copy of the loan contract that I signed stating that they will not accept a personal check for final payment. Phone conversations got me no where and I was told that there is no document that I signed that would make this statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Our loan got transferred to Specialized Loan Servicing LLC and we are making our monthly payments consisting of principal, interest and escrow. The escrow balance was forwarded from previous lender but starting XXXX last year our required flood insurance was not paid by SLS even we send a fax asking for payment. And that was at the height of the hurricane season with the house in hurricane capital XXXX Florida. Fearing the lapse of coverage we paid the insurance premium directly and asked SLS to reimburse us out of the escrow balance. All these faxes remained unanswered. Now we received a letter from our homeowners insurance that the premium has not been paid by the lender leaving our primary residence uninsured. Seeing this pattern from SLS we checked to see if our property taxes which where due XXXX 2015 where paid to find out these have not been paid either. We requested a payment history and found on the history that payments where moved around to various accounts within SLS but never applied as intended. The payment history is so distorded by transferring monies around that it makes me very worried about the correctness. Over {$8000.00} of principal balance which was paid by us for insurance and taxes where applied to future interest and principal payments and even booked as suspended balances. Phone calls to clarify the account lasted hours at a time being on hold and transferred and disconnected without even talking to a person in charge. This ca n't be that a lender misuses funds entrusted to them to pay the homeowners liability as per loan agreement. This is borderline fraud.

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