vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been trying to apply for a loan modification with my loan servicer SLS ( Specialized Loan Servicer ) lender, I keep getting the run around I have sent complete income packages, and my lender keeps on lying, playing with me. 
I first receive phone calls that they have received the package, then they tell me that they are missing a few documents, which I sent back right away, then I get a phone call that they did not received a complete package. I have sent my documents over XXXX times and they keep on loosing my document, ( this is not a game this, I became XXXX this is XXXX of the reasons why I felt behind on my home. 
Is also very difficult to call SLS, every time I have tried to call them I ca n't get through, ( only when they call me )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Student Aid (USA) Funds
State: GA

Complaint narrative:
This Corporation has shared my information with Credit reporting Agencies. This IDENTITY THEFT XXXX XXXX. I am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. According to the GLBA Gramm Leach Bliley Act this is a violation. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE but this CORPORATION IS IN BUSINESS COMMERCE AND TRADE. THEY MUST ADHERE TO THE FDCPA Fair Debt Collection Practices Act, and the FCRA, Fair Credit Reporting Act. They also have to CEASE and DESIST because I never asked them for anything, and if they have my information I want it back as soon as possible. If not I will be filing a CRIMIINAL COMPLAINT WITH THE FBI. Where is the Loan Level documentation if any stating it adheres to all State and Federal guidelines of a Loan, for this Consumer. These people are obtaining information from the Credit Reporting Agencies fraudulently and this is definitely Identity theft.

Company response to consumer: Closed
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
This company sent me written communication about an alleged debt that I have with another company. I called the company and requested validation of this debt and they were unable to provide that. They stated that the account left their office 30 min prior to me calling in regards to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
halsted financial service CALLING ME ALL TIME OF NIGHT AND DAY.THREATEN ME TELL ME THAT THE ARE GOING TO PUT COPS ON ME AND CALLING MY JOB ALL THE TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Atlas Services, Inc.
State: IN

Complaint narrative:
I was not properly notified of a debt with the original creditor. I contacted the original creditor who agreed to remove the collection from my credit report after it was paid due to the notice being sent to an old address. This was also communicated to the collection agency ( Atlas Collections ). I paid the debt in full and the collection agency only removed it from XXXX of my credit reports. I have made multiple attempts to reach the collection agency and have left several messages, emails etc. they will not respond to my requests. I have emails that show the agreement to remove it and where they stated that they had removed it. I have also disputed this with the credit reporting agencies and Atlas has verified this rather than removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: National Enterprise Systems, Inc.
State: SC

Complaint narrative:
National enterprise systems sent me a letter to sign inorder to participate in their loan rehabilitation program. the stated the principal balance remaining on the loans and they listed collection cost of almost {$4300.00} which aggregate the loan balance by that amount of money. I called them and said that they should collect the additional cost from the company who is asking for the money, not me. The person that I was talking to said that i agreed to pay collection costs when i said the original paperwork. 
My complaint is that these student loans are not designed to be paid back, they are set up to keep people in perpetual debt. Why does the student have to burden that cost of collections when they are already burden with the debt of paying back a loan in order to get an education. The only cost I, the former student and all students, should be responsible for is the actual cost of the education, as those cost are already exorbitant. 
We should not be charged for collections cost especially when our education does not guarantee jobs that are paying enough for us to be able to make and type of decent payment on our loans? thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing acting as the Servicer has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of HBOR law is based on Specializing Loan Servicing improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. in addition, Specializing Loan Servcier has repeatedly denied me help several times and i never get a single person to answer my questions honestly or directly. They always have XXXX of people pass of my file amongst each other just to create motion and delays. i intend to keep my home and i meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take my home. Specializing Mortgage illegally commenced and is conducting a foreclosure while reviewing or without attempting to find workout relief options for myself. they have mishandled my documents and file several times and failed to properly communicate with me throughout the process. they simply wish to foreclose and kick me out on the streets. they have clearly violated HBOR specifically under the dual tracking clause. Specializing Loan Servicing instructed and allowed foreclosure trustee named XXXX to illegally start foreclosure on my property. The Specializing Loan Servicer and know your options website gave the result that i am eligible for a loan modification with a lower payment to save my property. so there is no reason why Specialized Loan Servicer should have denied my request or started foreclosure on my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
My mortgage company, Specialized Loan Servicing LLC, based in Colorado, is using investor guidelines for PMI removal that are in excess of what is allowed by the Homeowners Protection Act of 1998. Specifically, SLS is attempting to impose a seasoning requirement on my mortgage before they will remove PMI. I sent a letter to SLS explaining why the seasoning requirement is not enforceable. SLS sent a written response stating that the seasoning requirement is valid. I am sending another, more detailed letter to SLS at the same time I am submitting this complaint. I will attach copies of all of the relevant correspondence. 

Additionally, I recently received the annual PMI disclosure notice from SLS. The annual disclosure notice does not mention a seasoning requirement. It appears that SLS does n't mention a seasoning requirement until you write to them requesting that PMI be removed.

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 2016-11-10 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
We used payday loan service 7 years ago and paid off our remaining debt. Halsted financial services has called us 7 yr later saying that we owe them money. We do n't owe them money or have we used payday loans for 7 yr

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I paid my payment by installment last three months,XX/XX/XXXX $ XXXX $ XXXX {$80.00} each time i request the receipt for above payment but still they not providing the riciept.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I called XXXX University while enrolled at XXXX for my XXXX -- Checking on their class schedule for comparison ; The sales person enrolled me in an intro class -- I did not authorize, did not attend. 
-- I spoke to school business management -- who told me that the charge would be removed. The school after several attempts has failed to remove charge and sent to collections : Caine Weiner ( they told me to call school. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 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: IQOR US INC
State: TX

Complaint narrative:
This company has added this as a collection to my credit report. Under no circumstances or time did I ever have an agreement with the original creditor for services or goods. This collection has never appeared on my report until now. I have never even heard of the original creditor before this point. They are in violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I lost my job XXXX XXXX, 2016. I called Honda Financial Services to inform them of this and see about deferring some payments until I could get working again. I was told " no '' because I had n't had my vehicle long enough to make six consecutive payments. I assumed I would be getting a tax refund this year and just get caught up with that money. When I went to file my taxes, I learned I was going to be PAYING IN and getting NO refund.I called Honda back and asked them to work with me.Again, I was told " no ''. 
After asking several family members ( who are all financially strapped themselves ) for assistance and them being unable to help, I called Honda back and asked again for help so I can keep my vehicle, and again was told " no ''. I explained I was not unemployed by choice and am looking for new employment like a madwoman! I was told being unemployed is not considered a " hardship ''. Are these people all high??? It 's a hardship for me! 
I live in a very rural area.We have NO public transportation here! If you do n't have wheels, you DO N'T work, nobody will hire me without them! I have asked Honda several times if they will help me with my loan so I can keep my vehicle. My XXXX mother co-signed the loan and lives on social security.She has no way to help me out.Honda sent me a past due notice and in there it states if I am having financial difficulties, to contact them immediately and they can help.They have offered me NO help and I do n't want to lose my truck!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have attempted to resolve a fraudulent account AWA Collection is continuously trying to collect on. I have submitted my dispute to the company and credit bureaus explaining that the account is fraudulent and a result of identity theft. I attached along my disputes to both credit bureaus and AWA a copy of my police report, identification, current utility bill, address and FTC ID Theft affidavit. AWA reporting this account on my credit profile has dramatically damaged my credit score and has caused me defamation of my character. This is not my debt, I did n't create it, was n't aware of it until recent and when I became aware, I immediately contacted AWA and the credit bureaus to make them aware and correct the fraudulent reporting and collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I opened a loan with Santander XX/XX/XXXX and was financed XXXX at 16.99 % interest rate on my loan for 72 months which should equate to {$26000.00} in finance charges equaling a monthly payment of {$370.00} and I have been paying {$370.00}. I made my payments accordingly over the next 4 years. I tried refinancing my loan in XX/XX/XXXX as well a trade in my vehicle around the same time. Come to find out I was severely upside down and no one would finance me a new loan with my vehicle as a trade or refinance because my debt owed was to high. At that time I allowed my vehicle to repossessed due to the amount owed. I feel I am a victim of a predatory lending from Santander and now my credit history is be slandered and portrayed worse than it actually is by Santander as well. I have disputed the reporting of my account as per my rights of FCRA due incorrect payment history reporting, first date of delinquency on my account repeatedly reported inaccurately, a charged off account reporting open 9 months after repossession, as well as being billed car payments after the repossession monthly adding further debt to my past due amount. I paid over {$15000.00} over the four years that I owned the vehicle and recently discovered that I have been charged unfairly resulting in a higher car payment and erroneous finance charges I have paid more than enough and I been subject to unfair damages. Per state law I am to receive a notice after repossession regarding the sale of my vehicle as well as a statement after the sale, I have did not receive any of the required notices that I am entitled. Due to the unfair predatory loan and false credit reporting action I am requesting full deletion of Santander accounts on are 3 major credit reporting agencies ( XXXX, XXXX, and XXXX ) I have enclosed some documents for your review take note of the federal truth in lending section in regards to my finance charges and monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
or your information I also submitted this complaint to the Federal Trade Commission. I ordered XXXX products online from the merchant ( XXXX ). The cost per product is only {$4.00} each. I was made to believe that this is the amount i have to pay for each product. But when the bill statement came, I have to pay {$92.00} for each product ( 2 XXXX ) and {$97.00} for each ( 2 XXXX ). I would NOT have agreed to pay those amounts if only I knew the merchant has indeed truthfully posted the terms and conditions before the checkout. I filed a dispute to the Citi Cards company. But The Citi Cards company has informed me that they are unable to assist me with the dispute due to the terms and conditions of the merchant ( XXXX ) prior to the checkout. But the truth of the matter is that there are no terms and conditions Prior to the final checkout or placing the order. I was misinformed. I did not attempt to cancel tjis transaction because I was made to believe this is only a one-time purchase. I did not dispute the original charge because i was made to understand that I would only be charged {$4.00} for each product. I did not agree to be charged with {$370.00} for the XXXX products or items. In fact, I returned the XXXX package with the ( 2 ) items or products to the merchant upon learning the real cost of it. The merchant will not acknowledge it that I returned those XXXX products even If I have the U.S postal receipt because they told me I did not inform them before i returned. I tried to convince the credit card company not to allow the merchant to charge me because i was misled and misinformed by the merchant. But Citi Cards decided to favor the merchant for they received the papers from the merchant stating that I agree to the terms and conditions prior to placing the order. I told them It was a lie. If they check the website, the merchant did not post the terms and conditions before placing the order. I told them the papers they sent was fake and false. There was no Terms and Conditions that were posted online Prior to the purchase or prior to the checkout. I told the Citi Cards billing dispute department, they can check it for themselves if what the merchant said was true or not. But they ignored me. I told the Citi Cards that I am not paying those charges even if they already made the decision because the merchant 's practice is questionable and their procedure is unethical and irresponsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
American honda finance is practicing to request for settlements such as the company received from me XX/XX/XXXX. Then report to the IRS I owe the remaining balance. Although the debt was charged off on credit report XX/XX/XXXX. The company would not show up in court when I filed a complaint against the XXXX Honda Dealership and American Honda. It was told there address was not listed in XXXX. So I received the run around from the time vehicle was purchased. I traded in a XXXX Toyota for a XXXX Honda XX/XX/XXXX then received a bogus contract the seller ran off for his practices where he received monetary for a transaction that I ended up having difficulty getting rid of once the company played there shady games towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Venture Financial Services, Inc.
State: KS

Complaint narrative:
Back in XXXX of this year, I had a XXXX completed at XXXX XXXX XXXX. At the time of the XXXX, I paid {$30.00} on a credit card toward the bill. Since then, XXXX XXXX has not tried to contact me regarding a remaining balance. 

On XXXX/XXXX/2016, I received a letter from Venture Financial Services. They state I owe {$31.00} to XXXX XXXX XXXX XXXX XXXX. Because the bill is not itemized and the date the services were incurred was not listed on the bill, I can only assume it is related to the XXXX. I am not willing to pay this bill unless Venture Financial provides me with an itemized explanation for the charges which demonstrates I owe {$31.00} above an beyond the {$30.00} already paid back in XXXX. I am also concerned that XXXX XXXX did not process my {$30.00} payment correctly, primarily because they were undergoing a computer system change on the day of my appointment. The problems they were experiencing delayed my appointment considerably and this can be verified through their coordinator at the XXXX XXXX XXXX XXXX location, because I lodged a formal complaint about how disorganized they were on the day of my appointment and communication about my XXXX following the appointment. I am including a copy of my receipt from XXXX XXXX for your records.

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 2016-01-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I contacted Medical Data Systems, Inc regarding XXXX medical accounts. I was asking them about settlement/payment options. I was told that I could not choose which account I paid first. They told me if i sent in a payment that they would apply it towards the oldest account first. I asked again if I could pay the smaller accounts first and again I was told no that it would be applied to the oldest larger balance and I did not have the option of choosing which account I paid. Under section 810 of the FDCPA it says that I have a right to choose which accounts I pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
My company received a call from XXXX XXXX asking for me, I did a web search and they have had complaints from the FTC filed, and I do not believe they should contact my workplace.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief