vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
I filed chapter XXXX toward the end of XX/XX/XXXX and received my discharge XX/XX/XXXX. I have since began to rebuild my credit but my efforts have be adversely by XXXX lender, Specicalized Loan Servicing ( SLS ). They have reported correctly to XXXX XXXX 's but XXXX, XXXX. I received a credit update on yesterday of a XXXX point decrease due to an update SLS make to XXXX. I 've disputed this notation several times but no correction has been make. I really need to get this corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I have sent, resent, faxed and faxed again the same paperwork over and over again, only to hear that my property is in foreclosure. Im very very upset by this. XXXX dragged this process ffor over a year then sold to another bank to do the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: College Assist
State: NY

Complaint narrative:
While attending XXXX school at XXXX @ XXXX I was pressured by fellow students, professors and media to consolidate my loans. I consolidated my student loans with XXXX with the understanding my interest rate of less than 3.8 % would be locked in and garunteed not to climb. Upon receiving the first statement, I found XXXX already broke the contract. I paid my loan until all my savings was depleted and I was no longer able to pay. My earnings are not enough to provide beyond basic survival. My loans were sold to College Assist, XXXX XXXX, and XXXX. Through college Assist I was offered a rehabilitation program for {$5.00} per month for 12 months to remove my loans from default status. When looking over the agreement I discovered I will be charged over {$30000.00} for the service.. This sort of fee is crippling on top of an already insurmountable figure considering my place in a ruined economy. The loan is increased by around {$100.00} a WEEK. I am being extorted. I find no offering of IBR, deferment or forbearance offered. My requests went Un acknowledged by all contacted listed by the company. I 'm left with this rehabilitation program where I would be paying {$30000.00} plus approximately {$7.00} daily more as my only option of repayment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.I have no knowledge of the debt and request it be removed from all bureaus ... it is negatively affecting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
Specialized Loan servicing started charging me monthly late fees once they bought my loan out from XXXX XXXX. They will not respond to my e-mail request to correct their mistake. I followed the procedure given to me from their customer support telephone contact number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 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 attempting to work with my new mortgage company but they have been nothing but helpful since taking over my loan from XXXX. I need help as my home is going into default and I can not maintain payments. Please have someone assist me with a solution. I am open to a loan mod as or deed in lieu. I need a single point of contact, someone who is willing to keep open lines of communication.

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 2016-12-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Our account was just transferred to another servicer. From XXXX to SLS. 
All of the documents requested by XXXX was submitted. They had a complete modification package according to the representative assigned to our account. 
We had no idea our loan serving had changed until we received the letter. 
SLS sent us a letter of denial for a loan modification that they did not process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
YOU MUST REFER TO ATTACHMENT # XXXX - FULL CASE to fully understand my case and request. PLEASE GO THROUGH THAT DOC BEFORE ANYTHING ELSE. 
On XX/XX/2016 at XXXX PST, I applied online for the XXXX card ( application ID # XXXX ) issued by Banco Popular de Puerto Rico, using promotional code AVSPWE to receive a Welcome Bonus of XXXX Lifemiles. 
After clicking on " XXXX '' my application, a pop-up message displayed on the screen prompting me to confirm my identity by answering a few questions. Before showing me any question, the webpage kept " thinking '' for a while and then an error message displayed without giving me any questions to answer. Please refer to attachment " # XXXX. Identity verification error '' which is a snapshot taken with my cell phone of the screen error message I got. As you can see on the left of the snapshot, a " no items to show '' message displayed instead of the questions I should have been given to answer to confirm my identity. Also as you can see on the center of the snapshot, an " Unable to continue, XXXX we can not identify you '' message displayed. Then, I was kicked out of the application and received an immediate denial email. 
I then had further issues with Customer Service ( additional hard inquiries on my credit reports without my consent a a claim opened with no resolution after 2 months ). Please refer to attachment # XXXX - Full case, to understand the issues I faced regarding my application, my interaction with Customer Service, the claim I opened with no resolution, and what I am requesting from you at this 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 non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I received a shortage coupon from my mortgage company XXXX that I could choose to pay the full amount ( due by XXXX XXXX ) or have it dispersed over a 12 month period. In XXXX my mortgage was sold to Specialized Loan Servicing. On XXXX XXXX I sent a check to my new mortgage company for the full amount of the shortage of {$990.00}. I included the payment coupon and the new loan number. My check was cashed a few days later from Specialized Loan Servicing. 

I went online to check the status and to make my XXXX payment. To my disbelief my loan was misapplied and not put towards my shortage. I called Specialized Loan to find out what happened. I spoke to someone ( did n't get their name ) and was told since I was one payment behind they applied that money towards that and put the rest in escrow because that was their policy. I was fuming and in disbelief. I paid the full shortage amount in good faith to keep my payment down. So NOW I have to make the shortage payment over the 12 months plus my mortgage payment. This is an extra {$140.00} a month on top of my regular mortgage. 

I feel like I should have gotten a phone call, especially of the fact that I was switched from XXXX in XXXX. I never received a call or anything in the mail. My payment was for my shortage NOT for my mortgage payment. 

I feel like I just tossed almost XXXX in the fireplace and now I have to come up with extra each month. I am a XXXX single parent and scraped together the money to be able to avoid the monthly increase. 

I am so unhappy with this new company and their decision to choose what to do with MY money.

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 2015-09-14 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: William C. Grossman Law, PLLC.
State: NY

Complaint narrative:
the law office of William C. Grossman is collecting a credit card debt that I do owe and I had made payment arrangements of {$10.00} a month I have not made my XXXX payment so they called my wife who is not on the loan and I did not give the attorney authorization to talk to anyone about the loan and they discussed my mortgage how long I have left on it in a threatening way she did tell them that she was not on the loan and did n't want to discuss it and they kept forcing the issue this is in violation of FDCPA they had no right to talk to her or anyone about it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
The issue began in XXXX. I have a gym membership that I have tried to cancel but they still debit my bank account. I was working with them directly to get this stopped and did n't involve the bank or I would have incurred more fees. The bank account went negative due to the debit. The NEXT day my direct deposit put in {$50.00} to my account. Hours later, I incurred an overdraft fee. I emailed them asking for waiver of fee but to no avail. I told them to put a stop on all attempts to debit anything when I have a negative balance ( as I told them I did n't want overdraft protection anyway ). They finally did this. I was having a hard time depositing money into my account as this bank is not located near me and I would have had to mail in a money order. I continued having {$50.00} direct deposited from my paycheck biweekly. Still incurring overdraft fees once every week for {$25.00}! Finally on XXXX XXXX, I was able to figure out how to set up my prepaid account with XXXX XXXX ( I use this more frequently ) to transfer and deposit funds to USBank. I sent {$110.00} which brought it out of the negative status. Then the gym tried to debit yet again and even though US bank reversed it ( due to not enough funds to cover it ) they charged me a fee for it. That 's fine. I knew how I can get the money in there when I got paid. Then I tried to log into Mobile Banking around XXXX/XXXX/15 ( less than two weeks after the last deposit ) and now my account is closed. I am now unable to see my account information on their website. When I click to view my past statements and letters, they are not viewable. Sent an email to them and received no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I was sick in XXXX and XXXX XXXX and could not pay my mortagage I make a complaint to cfpb XXXX XXXX XXXX case number XXXX and XXXX. SLS said that got there payment for XXXX and XXXX XXXX but I have made the XXXX payment this siad that Iam XXXX month behind in payment I have a statement from XXXX Bank where I paid 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 2016-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: College Assist
State: CO

Complaint narrative:
Years ago I defaulted on my student loan and before I could resolve the issue it was transferred to a collection agency. Since then, I have written numerous letters to the many different collection agencies requesting detailed information regarding the loan and fees. Each time this is done, the loan is again sold to another company. Sometimes, there was XXXX different companies trying to collect at the same time. In fact, XXXX attempted to garnish at the same time. I finally received a response from XXXX XXXX saying they would obtain the documentation and forward it XX/XX/2016. I just received a letter XX/XX/2016 from College Assist saying they sent me a notice on behalf of the XXXX XXXX XXXX XXXX regarding retaining federal tax refunds and that they would be offset. I have not had any contact with that collection agency in over two years!!!!! It has been sold numerous times since then and I have kept all correspondence with these companies. How am I to blindly resolve this debt without any documentation? Am I to believe what the tenth in line collection agency is requesting?

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 2016-02-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Stanislaus Credit Control Service, Inc.
State: CA

Complaint narrative:
I was struggling to make payments due to a lack of support in finances for a period in my life

Company response to consumer: Closed
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
SLS continues to request the same documents over and over again, even though they tell me over the phone they have them in their system. They have XXXX copies now of the complete short sale package. My property is in foreclosure and we have an active buyer that is ready to move on now. I feel SLS is not handling this manor in a professional way. They have called me names over the phone, asked me if I work at XXXX XXXX, while thinking they had the phone on mute. I have requested to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANCO POPULAR DE PUERTO RICO

Complaint narrative:
I need your help because I understand I have been a scam victim of sales outboard XXXX XXXX with a bank account in the XXXX XXXX at XXXX, XXXX. On XXXX/XXXX/2015 I made a money transfer to XXXX XXXX head office location XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX related to a purchase of XXXX engineer to sales outboard XXXX XXXX. This purchase has not been received by today. This purchase was performed with all customs fee included. However, new fees for the custom were requested per vendor due to change of XXXX custom policies. These fees were pay with the warranty that if extra fees were requested, my money will be return with 48 hours. The new fees were requested, and then I requested my money back. I understand I am a victim of scam. My bank contacted the XXXX XXXX in order to reclaim my money {$8200.00} XXXX. The response per my bank was that the XXXX can not return the money back because their was not money it the vendors account. I have all the evidence of emails between me and the vendor with the warranty of get my money back. In addition I paid {$1900.00} US to XXXX customs through moneygrams transactions, I have evidence of all the payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: College Assist
State: MO

Complaint narrative:
They called on my cell phone, I told them I do not wish to have contact by cell phone. I asked for mailing address to communicate in writing and they refused to provide it. I asked them for my account number and they said it was my Ssn. I really want to get more information about this debt but they are making it difficult to figure out what 's going on here

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 2016-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I recieved credit alert from transunion and XXXX yesterday. When i checked my credit history i find a collection account reported from XXXX different address with XXXX different name for the same amount of money ( {$110.00} ). I have never recieved any communication or letter from all the collection agency reporting about the alleged debt i owe. The report is placed on all the XXXX credit bureau at this time. Duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. The name of the company reporting the same negative information are creditor service of Morgan, Wakefield and associates from XXXX and 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 2016-05-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
An employee with Gold Star Finance by the name of XXXX XXXX has repeatedly came to my home. When I am not home she has gone to my neighbors home and asked them what time I am home and what time I usually leave. She calls me constantly and leaves messages saying my account will be having further action taken on it if I do not contact her. I work very odd hours and sometimes I am home when she has come but asleep. When I am awake the office is closed so I am unable to contact them. I am well aware I owe the debt but XXXX collection ethics will not get me to pay any quicker.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Debt is over 7yrs covered by statue Of limitations. Previously disputed on the XXXX credit bureaus. Debt dates back 1999

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 2016-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC
State: MD

Complaint narrative:
In the last 3 weeks I have gotten 4 calls from the following number : XXXX with the following message : This message is for ( my name ). If you are not ( my name ) please hang up. By continuing to listen to this message you agree that you are XXXX XXXX. My name is ( insert name here ) and I am calling from Northstar Location Services please return my call at XXXX regarding a debt collection. 

I do not have any outstanding debts. I have looked up the number and it there have been several complaints that this is a scammer number.

Company response to consumer: Closed
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
My first complaint addresses the fact that XXXX XXXX XXXX sold my mortgage loan to a company by the name of ( SLS ) Specialized Loan Servicing , LLC. However, I was never informed by XXXX XXXX XXXX of this transfer. ( SLS ) did in fact inform me of the transfer after the fact by sending me a mailed letter through regular mail XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX XXXX XXXX concerning a letter that they had sent to me stating that I had missed four payments. The representative and myself from XXXX XXXX XXXX went over my payment history and could not find these four missed payments. However, during this call ; there was no mention about of a loan transfer. As a matter of fact, the last thing she asked me was " When was I sending in my next payment ''? 
Also, ( SLS ) sent me a letter stating that they will foreclose on my home on XX/XX/XXXX. I have submitted the letter that was sent, and copies of my Bank statements showing all of my payments. Be informed that, UCC 3502 states that if you were late, you are in dishonor, but from the moment they accepted your payment ( cashed your check or posted payment to your account ) then it is to be treated as never being in dishonor ( never being late ). 
I have attached the document labeled XXXX # XXXX which is the last letter and only recent letter that was sent to me by XXXX. It mentions nothing about my loan being transferred. If XXXX XXXX XXXX claim that they informed me of the transfer ; that will be a false statement.

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: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
My car was repossessed by Ally Financial Inc . There was an outstanding debt on the lease in the amount of {$5900.00}. An agreement was made through their attorney, XXXX, XXXX, XXXX XXXX XXXX on XXXX/XXXX/15 to settle the outstanding debt for a lump sum of {$2000.00} which I paid on XXXX/XXXX/15. On XXXX XXXX, 2015 Ally Financial Inc. who had been paid the settlement still reported to my XXXX credit report that the account was still unpaid and past due in the amount of {$3900.00}. This erroneous reporting hurt my credit and caused monetary and emotional damage to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation