vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-20 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: The Law Offices of Gerald E Moore & Associates, PC
State: GA

Complaint narrative:
I 'm a victim of identity fraud and made countless attempts to let this company know it is n't me. They sent me over a lease with a signature but I never signed a contract with them. I also sent them letters to get this removed with my FTC report and police Report with no solution. My signature has been fraudulently signed on a contract that I did not sign and this company continues to report it after all documents necessary documents were submitted to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gross Polowy LLC
State: MD

Complaint narrative:
XXXX XXXX and/or her daughter XXXX. OWES XXXX XXXX XXXX XXXX XXXX XXXXandeTitle Agencyin XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Debt collector XXXX communication tactics false statement and misrepresentation Assignment fraud substitution of trustee fraud OPERATES XXXX ... XXXX OWES XXXX XXXX XXXX XXXX XXXX XXXXandeTitle Agencyin XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Debt collector XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Debt collector XXXX UNDER THE CONTROL OF The debt collector law firm under the control the control XXXX XXXX and/or her daughter XXXX. OWES XXXX XXXX XXXX XXXX, XXXX XXXXandeTitle Agencyin XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Debt collector XXXX MIRROR THE ACTION OF DOCX ( XXXX XXXX OWES XXXX WITH A XXXX ADDRESS WHEN ASSIGNMENTS ARE CHALLENGED FOR FRAUD DEBT COLLECTOR XXXX UNDER THE CONTROL OF DEBT COLLECTOR CONTROL OF XXXX XXXX : XXXX XXXX and/or her daughter XXXX.Debt collector AND ARE USING SUBSTITUTION OF TRUSTEE AS MEANS TO MOVE NOTE AND MORTGAGE FROM DEFUNCT ENTITY TO NON EXISTENCE XXXX TRUST when assignment are challenged in court for fraud these are the local actors in XXXX UNDER THE CONTROL OF DEBT COLLECTOR FOR LAW FIRM XXXX XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: TX

Complaint narrative:
I am a co-signer on my daughters student loan. She has defaulted I am on a fixed income and can only pay {$50.00} a month. They keep calling and telling me they need more money. What can I do to stop these calls

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 2016-02-25 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Goldstein, Cruise and Smith LLC
State: SC

Complaint narrative:
A representative by the name of XXXX XXXX, from Goldstein, Cruise and Smith LLC, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX - Phone - XXXX called and left a threatening voicemail claiming that her company was going to file a complaint with the county court about a payday loan from XXXX XXXX loan services in Arizona that I took out in XXXX. I returned her call and informed her that this dent was included and discharged in my bankruptcy case I filed XXXX/XXXX/XXXX and was discharged XXXX/XXXX/XXXX. She then began to tell me that this did not matter and tried to collect on the debt anyway, threatening legal action. I told her I was going to file complaints and to not contact me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: NJ

Complaint narrative:
I cancelled XXXX over the phone and they kept my account open for an additional month while I was connected with XXXX. When I received a bill from them I told them that I had cancelled my services through them as of XXXX of 2014 but yet they still sent me bills and they turned it over to a collection agency previous collection XXXX had dismissed the bill but now I am getting bills from ENHANCED RECOVERY CORP and they also notified XXXX. If I cancel my service with their customer service, there should be no reason to pay for an additional month.

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 2016-02-13 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:
In XXXX I purchased a home in XXXX, CA. I took out a 30 year interest only loan. In addition, I was told I needed to take out a adjustable HELOC for my downpayment. XXXX year later the housing market collapsed. My wife and I had extreme financial hardships. I am XXXX XXXX with XXXX, and my wife had lost her job. We spent years applying for home loan modifications that never seem to get anywhere. In the mean time we stopped paying the HELOC because the payment became to high and our home was very underwater. I was forced to file chapter XXXX bankruptcy as XXXX XXXX XXXX raised my payment while granting me a terrible loan modification. The terms were awful. My wife and I could not afford to relocate as I was no longer working. It was not until I found this website that I finally made a complaint about what I had been through with XXXX XXXX XXXX. With the help of your organization we were finally offered an affordable loan modification. We have been paying our loan mod since aprox - XX/XX/XXXX/XX/XX/XXXX. 

I am writing you because I received a letter from XXXX XXXX about some loan I may or may not have with them. The HELOC loan was originally with XXXX XXXX XXXX but we stopped payments back in XX/XX/XXXX or XX/XX/XXXX because the house was upside down. and XXXX XXXX XXXX sold it so many times we could not keep track of it. I currently do not have any financial information on this debt. The last letter I have regarding a HELOC is from XXXX XXXX XXXX saying it was being sold to SLS Lending dated XXXX. Even then, XXXX XXXX did not have the amount of the debt nor any history of payments, etc. This letter was dated way back XXXX/XXXX/XXXX. That is a long time ago and I have no way of knowing what my payment history was, fees incurred, who has the original title, transfer or sale dates of the loan., etc. So I have not heard anything about this since XX/XX/XXXX. Today, XXXX/XXXX/XXXX I received a letter from SLS. Something about RESPA and QRW and possible enforcement of the lien. But there is no other information on there. I thought HELOCs did not have RESPA rights to information so I do not understand what this letter is for. I can not afford to make anymore payments as I am XXXX and my wife can only work part time. That is why I received a loan modification for my home on a financial hardship term. I do not have the means or resources to leave my home based on a HELOC that may or may not be valid. We still owe a very large amount of this debt vs. the worth of the home. I will be forced to file Chapter XXXX for protection.

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 2015-11-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have XXXX separate outstanding XXXX student loans that I had taken out with XXXX XXXX between XXXX and XXXX. Since XXXX, these loans have been transferred to XXXX sister company, " Navient ''. XXXX of these XXXX loans are considered private loans at 7.0 % APR, and the XXXX is a federal loan at 3.75 % APR. I 've called Navient because the arrangement for minimum payment distribution considerably favors the 3.75 % loan which is clearly not the most favorable when it comes to paying these loans off with minimal interest paid. They have told me they ca n't do anything about. Here 's an example : my current minmum payment due is {$180.00} ( average : {$62.00} ) between the XXXX loans @ 7 %, and {$100.00} for the XXXX loan@3.75 %. 

These loans were taken out in XXXX XXXX ( Federal@3.75 % ), XXXX XXXX, XXXX XXXX, and XXXX XXXX ( XXXX Private@7.0 % ) for XXXX toward a XXXX at XXXX in XXXX, NJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: United Student Aid (USA) Funds
State: AL

Complaint narrative:
Company hires XXXX XXXX and they harassed me and threatened me and told me that USA federal aid had them come after me that they work for them

Company response to consumer: Closed
Consumer complaint received 2015-10-03 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
ABOUT 10 YEARS AGO, I contacted a camp ground membership and asked how to end my membership ; I followed their instructions and was told that my membership was terminated. I did n't expect any problems and accepted their word for it. 

About 5 years later, this collection company started calling me numerous times a day, every day. I told them I do not owe this debt. They have persisted for a number of years. 

Recently, NEARLY 10 YEARS LATER ( AFTER STATUE OF LIMITATIONS HAVE EXPIRED ) they had it put on my credit report ( in 2015 ). 

It is not a legitimate debt! 
The statute of limitations expired years ago! 
And it was illegal for them to attach it to my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I applied for a loan modification in 2014 with SLS ( Specialized Loan Servicing LLC ) after mortgage loan was transferred from XXXX Mortgage to XXXX XXXX XXXX. I diligently providing all documents requested by them ( SLS ), at least two dozen times by fax, USPS and XXXX, in an effort to have the modification approved. Each time documentation packages were submitted, a call by a SLS representative would state 1 or 2 items ( documents were missing ) I was advised early on in the process that I qualified for the loan modification and the eligibility to qualify for foreclosure prevention was a shoe in, to include an option for the Home Affordable Modification Programs ( HAMP ). The result from SLS home modification and mortgage assistance failed resulting in foreclosure. In the multiple repeated phone calls to SLS they have not had the same individual answer the phone and I keep getting different stories from whatever representative I speak with. This company has been impossible to deal with and is going to cause me to lose the property that I was seeking the modification for due to their inordinate delay and complete inability to respond to this request in a reasonable manner. I have recently, attempted to contact the company requesting an offical letter stating my foreclosure was redeemed and my property was sold. This required by my present employer.

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 2016-04-07 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:
SLS Loan Servicing received our second mortgage back in XXXX. It was sold many times and was originally with XXXX. It has not been paid since XXXX due to the housing crash. Due to medical financial hardship filed chapter XXXX and received a successful loan modification on the 1st mortgage. I am current with this. I sent an offer of settlement to SLS based on hardship. They said I did not need to send any hardship letter or financials. Just to write them and make an offer. I did make them an offer and I have not heard back. I would like to know if they have accepted our offer within a timely manner. I have to know if they will work with us or I will need to file chapter XXXX. All I want to know is id they accepted our offer or are they going to counter our offer. I have learned that this company is extremely difficult to work with. I have read hundreds of complaints regarding this issue with Consumer affairs. I am asking for a solution in a reasonable time.

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 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I am shocked that XXXX XXXX XXXX has refused to review my complete modification packet despite being told to submit a new packet while my appeal is being reviewed. Apparently, they are using my active sale date for XXXX XXXX against me even though they were aware of my sale date since I constantly voiced my fear of losing my home. However, I provided all documents needed for a modification review but XXXX does not want to move forward and review my loan. I have an appeal letter currently under review with XXXX and was promised to have a rush review due to having the active sale date. But again, XXXX is using it against me that I did not submit my modification packet before the 37 days but how can I summit a packet when my appeal is under review? Clearly, I am being set up for failure to ensure I lose my home. When I submitted my appeal I was told the sale date would be canceled if a decision was not reached or if it was I would still be able to resubmit. They lied and the appeal assures they will not move forward with a foreclosure should one be pending. Moreover, I was advice by agent XXXX ID # XXXX that in order to have my sale date put on hold or suspended I needed to submit a complete packet. Obviously, I because suspicious because the appeal states after the outcome I would have 30 days to re-apply but yet she requested I immediately submit a packet since the decision for appeal was pending. Now, because I submitted the packet they are using it against me despite having my appeal under review. This is grossly unjust and they need to stop doing this to struggling home \owners such as myself. I am in shocked and absolutely angry with the way they set me up to fail. I am in tears because as a single mother you can only imagine the XXXX I am experience at being left homeless.I have and continue to do everything XXXX has requested of me. The modifications offered in the past where not affordable and was told they would be reviewing me for the HAMP Tier 2 and not to worry. I am reaching out to you as my last desperate attempt to help me. They need to stop my foreclosure date as told and considered for the HAMP Tier 2. Please I hope you help me and I do not lose my home. Thank you so much for listening and helping me with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
I received a call on my cell phone from Northstar Location Services out of XXXX, NY. They were attempting to contact my niece who does not live with me and with whom I have not spoken in many months. Within a minute of that call, they called her mother. They also called the landline of her Grandmother and Grandfather and both of their cell phones within minutes of the other calls. My niece did not give out our numbers as contact numbers. The debt collector told me he found our numbers by doing a search. I have never heard of all a person 's family members being called related to an adult 's debt.

Company response to consumer: Closed
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing " impersonates itself '' as XXXX -intentional misrepresentation of material facts, 1692e and possible mail fraud under 18USC 1341. 
Please see attached. [ Exhibit on the purported " trustee 's deed upon sale, '' scan XXXX, will be sent via fax. Unable to upload due to size of file. ] Thank you for your help in upholding and enforcing Federal consumer protection laws.

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 2016-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
On 2 occasions in the last 12 months, my mortgage company has taken my entire loan payment, including the amount over the requested payment, and applied nearly 100 % to interest. My payment is {$480.00} and has been for the last 10 years. All other payments have been applied correctly. 
The first was on XXXX/XXXX/XXXX, my payment was dispersed as shown below : Total paid : {$500.00} Interest : {$490.00} Principal : {$3.00} - This math does n't even work On XXXX/XXXX/XXXX, My payment was dispersed as shown below Paid : {$500.00} Interest : {$480.00} Principal : {$11.00} I contacted the lender, Specialized Loan Services, and they stated that my loan was simple interest and they would not correct the issue. I then reread my original loan contract and confirmed that my loan is a fixed rate. At this time, I also discovered that my loan was written as a 30 due in 15 which was never explained to me. I have faxed and emailed the mortgage company and they have not yet responded nor fixed the error - it has been 7 days.

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
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am letting you know that another event has happened in case XXXX in the case of XXXX and citizens bank as XXXX XXXX graciously explained in his very poignant letter i did agree to close the account for the sum of the outstanding balance but no one not even my XXXX with whom i was counseled i, n order to get the equity loan, told me that i would have to forfeit the whole thing upon refinanxcing When i did close ti was not with an attorney but a bank manager and he did not disclose that if i closed it i would be charge a prepayment penalty of XXXX i have left XXXX XXXX, office of the chairman at XXXX XXXX but he did not respond I left another message on XXXX/XXXX/2016 but his maibox was full in summation, i would like citizens to send me a check of XXXX plus interest

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: AZ

Complaint narrative:
This is compliant in regards to debt collection for a balance from a XXXX XXXX. The XXXX agreement was processed on XXXX service charges Everything Data {$19.00} Premium Data {$10.00}. Total estimated monthly service charge $ XXXX have attached the contract. 
From XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge the {$10.00} Premium Data Fee over and above my monthly service charge. Please see attached sample of XXXX of the monthly billingFrom XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge {$99.00} a month for the monthly service charge. Please see attached sample of XXXX of the monthly billings. 
I was also charge late fees over the course of the billing period, please take note that when a consumer signs up for a certain amount ever month and you bill {$80.00} dollars above that every month the consumer may find it difficult to pay that bill. 
Also I would like a refund for the early cancelation of contract because the contract was never establish or maintain at the rate agreed upon.

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 non-monetary relief