vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-02 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 fallen into a financial hardship after my husband passed away, My income has fallen and i fell behind on my mortgage and have not been able to bring my account current, i have submitted a complete hardship/modification assistance package on XX/XX/2017 and SLS is refusing to review me for any sort of modification assistance, I dont know what to do and i am afraid of loosing my home. I called SLS after i submitted the file on XXXX and they confirmed me that they received my modification assistance package and they even requested additional documents to review my file. i have been following up with SLS every day after submission and they have stated that the modification is being reviewed. after a week of review SLS has led me to believe that i was being reviewed on XXXX SLS stated that they will not review me for a modification. For the past week I was informed that i was being reviewed by SLS now with only 9 days to the sell date of my property SLS wants to proceed with the foreclosure. SLS is doing everything possible to sell my home and not 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 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I have been working with SLS ( SPECIALIZED LOAN SERVICES ) since XX/XX/XXXX. They have ask me over and over again for the same documents as you can see in the documents provided. I ask for a pay off so that I could seek help in other places, they faxed me another clients information then about 2 days later I received the hard copy in the mail ( see attached documents ). Once I notified them of the wrong documents they had given me it was just a few days that I was given a work out payment @ more than XXXX the amount I was already paying. The payment does not add up for the financial proof that I provided SLS on numerous occasions. In the work out payment approval I was told that I was to pay a payment of {$1500.00} for 7 months, from XX/XX/XXXX, thru XX/XX/XXXX, with the months totaling 9 months instead of 7 months. I called my work out agent and she could not explain to me either how SLS came up with the number XXXX. I am working with an agency now for help at a " one time lump sum payments that are behind through one of the Government Funded Programs and what concerns me with that is that I have read several complaints on the Consumer Affairs web site where the lump sum payment was applied to someone else 's account which left them in their same predicament. I need help with this situation not just for me but for everyone that has been taking advantage of from this company. I look forward to working with you to resolve this issue as soon as possible. Thanking you in advance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
My name is XXXX XXXX my husband XXXX XXXX financed a car through Exeter Finance XXXX/XXXX/XXXX Account # XXXX. He was XXXX XXXX/XXXX/XXXX and received 10 year XXXX. I contacted them and explained situation was not at anytime told there was any issues of this and have made payments Exeter Finance took payments without hesitation. I received divorce XXXX/XXXX/XXXX and was awarded car in divorce I made them aware of this sent proper paperwork with included final decree and proof of his XXXX and requested paperwork change as well as full payment history that I would be refinancing with different lander and was told this would be taken care of. After months of this not being taken care of had contacted them numerous times requesting to talk to manager in which was told there was not one available and would receive call baxk which never occurred. I spoke with them few weeks ago and was told they would not be taking care of this and that contract was with XXXX and was being taken off call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 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: Pinnacle Credit Services, LLC
State: ME

Complaint narrative:
PIN CRED SERXXXX XXXX 2013Closed {$820.00}

Company response to consumer: Closed
Consumer complaint received 2015-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
I applied for a car loan with Exeter Financial on XXXX/XXXX/2014 which the application was approved for financing on or around XXXX 2014 which I was told my first payment would be due on XXXX XXXX, 2014 and that the payment due date would bbe the XXXX of each month thereafter. The company asked me to sign up for automatic draft and I agreed ; however, the company started to withdraw funds from our account prior to the due date and charged me both late fees and nsf fees along with numerous fees that I incurred from my financial institutions due to the pre-withdrawing of funds. I had a very difficult time trying to get the representatives to explain why my account would be in the behind and to help me make sense of where we went wrong. The customer service team was very hard to work with and would not explain to me anything and refused to gge me anything in writing concerning my account. I contacted the company in XXXX to ask them foran extension because my mother 's XXXX had returned and my family was devausted so the company advised that I had a two month extension which would modify my payment to reflect these payments due at the end of the loan. I never received the modification agreement neither did I receive the extension terms and agreement. I have requested this information on several occasions and they will not send me a copy but has show my account in the negative after explaining to me that the extension would not have any negative impact on my credit profile. I finally spoke with a representative that put a request in the system for me to receive a copy of my pay history and I notied that the company had several late fees and many early withdrawals that they attempted to make and charge my account for. I asked the company to launch an investigation on the account and they advised that the credit department would contact me within 72 hours and when I did n't hear from them I attempted to call and speak with the department todi discuss the matter at hand, which they refused to allow me to speak witht he department and told me that the findings were still the same and that they could n't help me. I akde them could I speak with management and they told me that each account representative manages the accounts and that this matter is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: OH

Complaint narrative:
Pinnacle Credit Services XXXX XXXX XXXX XXXX MN XXXX Phone XXXX is a 3rd party collection agency. I have been working with a company called XXXX XXXX. We have been trying to get Pinnacle to provide more than name of there original creditor. They provide no proof in the form of original forms, contracts dates, signatures. XXXX XXXX tried for several years and now I have sent certified mail requesting the same with no reply at all. I want them to prove with all the above I owe said debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D&A Services, LLC
State: IL

Complaint narrative:
Third party debt collector is committing mail fraud and extortion by not providing verified and validated information with collections activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: ME

Complaint narrative:
Debt collector will not send me a signed contract when I ask they go around it also added it back to XXXX after they found not not enough to prove its mine XXXX time filing complaint same answer from company next step to sue under fair credit act failed to supply appropriate documents and harassment and for adding back to XXXX after removed by them XXXX for not having enough proof account is not mine

Company response to consumer: Closed
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Franklin Collection Service, Inc.
State: MD

Complaint narrative:
This company I have never heard of or heard from is continuously reporting on my credit report that I owe something that they have yet to prove that I owe or that I have owned. Account number reported on credit report is something they do n't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
I hired a company to clear false information in my credit report. I received this letter from XXXX representing Pinnacle Credit Services , LLC. Threatening legal action etc. if I do not pay the amount they requested and/or contact them to dispute or validate said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 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: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
XX/XX/2015 I received a notice from XXXX collections that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, Franklin Collections Services. I called XXXX and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. XXXX on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. XXXX is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica

Complaint narrative:
Comerica Bank in XXXX has been mailing my pension cheque for 30 years. 
In XXXX 2015 they mailed me aformXXXXXXXX from the IRS I filled it in and mailed it back.Later I noticed a shortage on my cheque Contacted Comerica Bank in XXXX who told me the form had not been received, therefore IRS took XXXX % off my pension cheque.Another form was then sent, but being late the IRS has withheld 2 months XX/XX/XXXX and XX/XX/XXXX.In talking to Comerica they informed me to contact a tax consultant to get the refund.It was their fault for not checking to see why the retiree had not returned the form.That form was either lossed or misfiled and the bank should have a policy to determine what is delaying the retirees form, instead of having the IRS deduct, The Bank has never replied to my suggestions. Hope you have more success XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company
State: IA

Complaint narrative:
We sold our house and the realtor that we used hired a closing company to close the house and pay off the mortgage. It is the mortgage companies job to get the correct pay off amount and issue it to the closing company. The closing company did receive the pay off and fowarded it to Guild. They received the payment and signed for it and then lost or misplaced the payment and are now charging interest on the mortgage because of their neglect to find or post the payment. Guild now wants us to pay the interest out of our escrow account stating they have not received the payment when in fact I have signed documents from their employee that they did receive the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I lost my car in an accident on XX/XX/2015. My primary insurance paid about 90 % of the financed balance. It took over a year for my gap insurance company to pay what supposed to be the remainder. Meanwhile the finance company charged off my account even-though they were aware that I 'm waiting on gap insurance payment. I have talked to exeter Finance so many times and each time I have been given a different answer. Please help me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
XXXX reported I had not paid an equipment return fee and the last payment. XXXX tried to collect it. I called them twice and on XX/XX/XXXX I sent them the receipt from the return and bank statement with last payment. Now they have sold it to Franklin Collection Services and they sent me a letter saying are trying to collect the same debt for the exact same amount. I just disputed the last bill also with them under the same circumstances. Apparently XXXX broke the return receipt and the last bill into seperate accounts and now the collection agencies think they are both delinquent. I have bank statements for the exact amount and the original receipts from the equipment return and I have sent these and faxed these and they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
since XXXX franklin has been reporting that i owe {$420.00} to them. i have asked for validation which would include my signature on a contract showing that i have done business with them or XXXX and they have not sent this in 6months. i have informed them that i have been the victim of id theft and they have not fixed the issue that i have been disputing. attached i will be including the ftc id theft report as well as a evanton police report verifying that i was the victim of id theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX are attempting to collect a XX/XX/XXXX judgment that was XXXX in my bankruptcy in XX/XX/XXXX. They have been notified no less than 5 times but continue to assert to a title company that they are owed money. They have changed the name of the creditor ( assignment ) and are trying to disguise the true debt so that they can maintain a lien against my real property while I am trying to refinance. I have personally sent them my bankruptcy papers and given them instructions and sufficient time to communicate to the title company that the debt was discharged but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Comerica
State: IL

Complaint narrative:
I have a direct express card which my SSI money goes on every month. I was a victim of identity theft today and Direct express mastercard is giving me nothing but the runaround. I had XXXX left on my card and now it is a XXXX balance. There were XXXX charges on my account for a total of XXXX which left me with a XXXX balance. I now have nothing to live on and am without any means of income. Direct express is telling me I have to wait 5 days to see if the charges went through and than file a dispute. This is ridiculous. I can not wait all this time to get my money I need to live on. Direct Express reps just give me the runaround telling me I have to wait. I have mental illness and I do n't want to endu p in the psych ward over this. Nobody is willing to help me. I filed a police report and Direct Express is giving me nothing but the runaround.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC
State: MI

Complaint narrative:
My owing {$200.00} to Pinnacle Credit Services showed up on my credit. IT WAS N'T MY BILL. Pinnacle told me that getting it removed would be shorter if I paid it. After I paid the bill they refused to remove it from my credit report. SO now I 'm out {$200.00} and still have a negative on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Go Capital Holdings, LLC
State: AR

Complaint narrative:
I wish to make a formal compliant against this finance company that I previously got a loan for XXXX years ago. I requested that the company come and get the automobile because, it was not worth the amount of money that I was paying and that the repairs were more than the car itself. this company refused to come pick up the car for several of months while I was still making payments on the car. I found out that this company has gone out of business, and then the car was sold at an auction for less than what was paid on it. I have contacted the credit Bureaus in reference to this being taken off my credit report because they are reporting this as a repossession.

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 2015-04-25 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: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
The last correspondence I sent Pinnacle dated XX/XX/2014 ( see attached ) pertained to a demand for validation, which they ignored and failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report as a valid account. I sent this company another demand letter dated XX/XX/2014 ( see attached ) which they ignored again. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
Due to a recent repossession in 2016 I should be no longer in debt to the finance company since vehicle was confiscated which means I am no longer in debt to finance company and should not be reporting negatively on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Progressive Financial Services, Inc.
State: AZ

Complaint narrative:
Progressive Financial keeps calling & harassing me concerning debt that I do not owe. I believe that the debt is owed by a person with the XXXX as mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Business Bureau
State: TX

Complaint narrative:
I do n't know why this company keeps calling me because I do n't owe any one, I pay my bills every month!!! I want the calls to stop and for them to take it off my credit report, I do n't think that they should have it on there

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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: Stellar Recovery, Inc.
State: FL

Complaint narrative:
In 2012, I was a customer with XXXX. When I initially received service with them, somehow, and without my knowledge, they managed to create XXXX duplicate accounts. While I paid my monthly bill for the service I received this duplicate " phantom '' account started racking up unpaid bills. 

Between then an now, I have been contacted by three separate debt collection companies trying to collect on what is about {$250.00}. Each time I inform them that this debt is not mine, request verification of the debt in writing, and tell them to stop contacting me. Each time, of course, they cease all action on the debt because it is clearly not a valid debt. I do not remember the name of the other collection agencies, but most recently I have dealt with Stellar Recovery out of XXXX, FL. 

The initial fault lies with XXXX, however, whatever debt collection company they sold the alleged debt to also bears responsibility for passing the debt that was know to be invalid on to another agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation