vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
SLS ( Specialized Loan Servicing ) is now as of XX/XX/XXXX servicing our home loan. It was transferred over from ( XXXX XXXX XXXX XXXX ). Just yesterday this Sat XXXX we received a letter from SLS requesting to provide our Flood Insurance, which should have been information that should have been transferred along with all our other XXXX information. The issue is that they are stating that they have already placed a flood insurance dated as of XX/XX/XXXX when we have just been notified that we need to provide our proof of coverage. 

Attached is our Flood Coverage Declaration page as well as our letter that SLS sent us that on the bottom states the 3 different ways we can update our Insurance Information. Well,,,, we attempted 3 times to enter the supposed Reference PIN number : XXXX and it comes up as " Incorrect PIN Number. 

This is how XXXX first attempted to add additional fees to our old mortgage even when we provided proof. On my previous complaint # XXXX on this company taking over our loan I expressed my concerns of how horrid this servicer is and how disappointed I am with XXXX for transferring over the loan. 

Now this is the beginning of our old nightmare all over again. I am faxing SLS the Flood Declaration page via Fax and Mail but I ask that you ensure they follow through with them updating the information so that they do not add fees or an additional Flood Insurance and tack that on to my Monthly Mortgage and its an literally 3 times more the price. 

I ask for your assistance and protection from this form of PREDATORY FEES beginning again.

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 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
My original loan was with XXXX {$310000.00}. My mortgage was taken over by XXXX and later taken over by Specialized Loan Servicing LLC, servicer for XXXX. I did have a series of bad luck & XXXX. I am a XXXX, until I needed a XXXX that put me out of work for 6 months. Later I had to have a XXXX, then my surgeon told me that I could no longer XXXX. 
SLS kept telling me to reapply for a modification, but I was advised that even if I could make a payment that they will not accept it. I worked with XXXX in XXXX and we reapplied and SLS had a different reason to refuse a modification every time. This went on for three years, causing me to now owe about {$85000.00} in the arrears. 
my income did not meet 31 % toward mortgageI had too much equity so my NPV came out negative / they had over valued the housethey ran the numbers again and did not include my Fianc 's income, income was too lowthey ran the numbers again with his income as a contributor and the lower appraisal again a negative NPVthen they scheduled a Foreclose Auction DateI had to File Bankruptcy to figure out what to do next. 
I grew up in this home & raised my children in my home. I have some neighbors that we have known each other since 1960.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
XXXX on behalf of XXXX XXXX has been calling my home and employment using several phone numbers as follows ; XXXX XXXX as HFS. I have proof that debt was paid for and my XXXX paid the rest. They have ruined my credit and harrass me all day.I have health insurance and this matter was resolved and the service i received was by XXXX XXXX XXXX who provided me with professional courtesy.I need them to sto and repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stanislaus Credit Control Service, Inc.
State: WA

Complaint narrative:
After multiple attempts to verify amount of debt with creditor, over the course of two weeks, creditor has failed to provide amount of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
Specializes Loan Servicing is reporting that I am over 120 days late on payments to XXXX and XXXX. When i access Specialized Loan Services it shows all my payments through XXXX XXXX yet it keeps posting my next payment due is XXXX XXXX, XXXX. If I make a request in writing to SLS to provide backup documentation to support this error they suspend sending me a monthly statement with billing invoice. When i sent an email asking for XXXX XXXX and XXXX XXXX statements i was told they are not available since i sent in an inquiry about my account and they suspend sending out statements during an " Investigation ''. They have posted over {$3000.00} in late fees since XX/XX/XXXX yet when i print out my payoff request letter, these fees are not listed. I have repeatedly asked for a breakdown of these fees but no one is responsive and then i do n't get a monthly statement. I have noticed on other consumer websites that i am not alone in my frustration and confusion with dealing with Specialized loan Servicing. How many complaints about the same business practices need to be logged before action is taken to correct the practices of this unethical mortgage processing company?

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 2016-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: United Student Aid (USA) Funds
State: FL

Complaint narrative:
I XXXX in 2000 from XXXX XXXX XXXX in XXXX Florida. Since then I made payments of more than half of what they were asking. It got to the point that I was made to enroll in a program that was said to help me become current. However now my loan that was originally XXXX is now XXXX and payments are more than anew car payment. And even in 2000 the credits were n't transferable, but we as students were never told this when we applied for financial aid. I have never been able to afford the kind of payments they wanted, and I certainly ca n't afford what they want now. I 'm recently alone with an {$1100.00} mortgage payment. And that is n't even including the other bills. So yes I can say that the student loan payments would be detrimental in me being able to keep my house.

Company response to consumer: Closed
Consumer complaint received 2015-09-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Northstar Location Services, LLC
State: SD

Complaint narrative:
In XX/XX/XXXX I cosigned a XXXX XXXX student loan for my daughter XXXX XXXX ( now XXXX XXXX XXXX XXXX for XXXX {$35000.00}. On XX/XX/XXXX I filed a Chapter XXXX Bankruptcy which was discharged on XX/XX/XXXX ( File XXXX ). 

Immediately after the bankruptcy filing and continuing through this year, XXXX XXXX reported this loan to all XXXX credit bureaus as " discharged with bankruptcy ''. No collection efforts have ever been made on this loan and I, therefore, assumed that XXXX XXXX agreed with how it was reporting the loan 's status to the agencies. 

Despite often-made statements to the contrary, I am well aware that only Qualified Student Loans can survive a Chapter XXXX discharge and that this loan clearly did not meet this definition since it was for an amount more than XXXX times the cost of attending the school that my daughter was enrolled at. My daughter did not deceive anyone with respect to obtaining this loan ; she disclosed what school she was attending but no one ever questioned her as to the cost of attendance. The IRS is quite clear that " mixed use loans '' can not be considered qualified student loans and this loan was so large that it had to be known that it would be used for purposes other than tuition, books, etc. 

For the past five years I have assumed that XXXX XXXX recognized that this loan did not survive the bankruptcy and there have been no attempts to collect on it from me. That is none until today when I was called by Northstar Location Services, a representative of which informed me that they had been directed to collect on the loan. I asked about the five years of reporting it as discharged by bankruptcy and I was told that they had no knowledge of that. I tried to explain to the representative that it is improper, unfair and probably illegal to report that a loan was discharged and then to suddenly decide to collect on it. I essentially was told that they were acting at the direction of .XXXX/XXXXMy assumption is that XXXX, the " new XXXX XXXX '' has been reviewing its loan portfolio and has decided to try to squeeze more out of it. So they have sold the debt to a collection agency in the hope that they can get me to pay it. On the phone I was even offered a " deal '' whereby I could be removed from the loan for a payment of " only '' {$15000.00}! 

It is simply unconscionable to suddenly change the ground rules on a consumer after five years of taking a position that is diametrically opposite from the XXXX being taken today. This is the kind of underhanded operating procedure that makes consumers dislike dealing with any financial organizations. 

Despite all this I have received nothing in writing from XXXX XXXX or the collection agency. My contact at Northstar is a XXXX XXXX at XXXX XXXX. 

Anything you can do to assist me in this matter would be greatly appreciated

Company response to consumer: Closed
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I recently viewed my credit report and noticed that this company has report that I owe them a debt.

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 2016-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I would like to lower my mortgage monthly payment. I know about the pmi reduction and a lower interes that are now in the market. My loan is a FHA and I need to save so.e money because a reunification family and I can not get benefies of any goverment plan or rate reduction because lender XXXX me all the times in the proposawith a very high APR and hidden fees. 
My loan was sold to freedom mortgage and this company wanted to make me get involve in variable interest rate and I almost get into the trap. 
I would like to find a honest lender to refinance my actual FHA loan and get the reduction in my PMI that was lowered by goverment days after my loan closed. 
My credit is excellent it was XXXX in early XXXX although I dont know anymore after aplying to many nation wide lenders that wasnt honest to me. They want good and excellent credit people to get you but not to offer you a better conditions. 
I would like some help with a honest lender recomended by the goverment. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth Third XXXX is reporting a duplicate account. This is forcing my credit score to be lowered for as they are illegal reporting the same account twice. I have disputed from credit report. I have contacted reporting agencies. This continues to report illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
Hello, I am having an issue with my mortgage bank. Basically what happened was last year my loan was sold to Freedom Mortgage Bank. The bank lowered my mortgage payments by {$200.00}. I had called few times and asked why and they explained to me that my property taxes went over {$2000.00} down a year was little confused about it so I had called again and different represanative told me the same reason. I did n't believe that property taxes can go down so much, but I did n't know what else to do so I believed them. This is my XXXX home so I am really new at this. Now a year later they sent me a letter stating that my escrow is over {$4000.00} short so they want me to pay for it. I had tried calling them and they are giving me lot of runs around and no one i willing to explain to me how they made this mistake and why do I have to pay for their mistakes. I had tried to get help by contacting my town hall tax assesors, counselor for my district, even the loan officer from previous bank before my loan was sold and no one is able to help me. I just want to know if there is anything that could be done. I honestly do n't think that this is right. It was their own big mistake and now there are trying to make me pay for it. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
In XXXX of XXXX my wife and I contacted our mortgage company, Freedom mortgage, to have them remove the private mortgage insurance we have been paying monthly. Our house is valued at {$400000.00} with an appraisal less then 2 years old. We owe {$320000.00} which would place us at approximately 78.9 % loan to value ratio. 

We sent a written request on XXXX/XXXX/XXXX to have this removed. They replied on XXXX/XXXX/XXXX stating they would respond within 30 days. It is now XXXX/XXXX/XXXX and we have not gotten a response. We have contacted them and they said it would be at least another week for a response. 

Freedom mortgage has already told us in the past they would be using the original loan amount of {$350000.00} to determine our home value, even though we have an appraisal. We took out the loan after saving a substantial amount for a down payment. We would like assistance getting a response from them and ensuring they follow federal law in regards to the loan to value ratio. Our loan is a conventional 30 year fixed rate mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: URS Holding, LLC
State: MI

Complaint narrative:
Enterprise Recovery Systems out of IL contacted a coworker at my place of business. 

This is from an IM of that conversation : " XXXX XXXX [ XXXX ] : Hello, I have XXXX from Enterprise Recovery Systems Incorporated calling asking for you, are you available? 
XXXX XXXX [ XXXX ] : She is no longer on the line, I sent her to your voicemail. I also got contact infotmation for her. 
She can be contacted at XXXX Option 1. Ext # XXXX '' I contacted XXXX and she said the only way I could verify my identity was to provide her my SSN. I refused and she mentioned that the calls to my employer may not stop till I provide my SSN. I spoke with her supervisor and she said that I need to give them my SSN. Ultimately, I said no and she hung up on me. 

Companies should not call and ask for SSN and other companies should not give that information away. They would not tell me anything about the debt till they got my SSN. They should not have my SSN. Companies should not give SSN 's to mom and pop debt collectors that could not tell me they are keeping that information safe!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: GA

Complaint narrative:
The debt was foreclosed on XXXX, 2012, and no action was taken for confirmation and approval for an order of confirmation and approval by a judge of superior court pursuant to OCGA 44-14-161 ( a ). There have been numerous debt collection agencies who have taken the debt and each one has been told that there is no legal debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Campus Student Funding, LLC
State: CA

Complaint narrative:
I was a former a student at XXXX XXXX in XXXX Nevada. In order to afford the tuition, I needed to take on private student loans. the school only gave me the option to take loans from their private student loan lender. I was threatened that if I took to long to think about it my classes were gon na be dropped. i was making payments for these private student loans and then they were sold or transferred to Campus Student Funding LLC. The school closed and so did the XXXX. My Federa Studnet loans have been forgiven and not my private student loans. so here I am with no degree and in debt due to the ambitious And scamy practices of my school whose corporate members filled their pockets with the student 's money. I need that my private student loans be forgiven.

Company response to consumer: Closed
Consumer complaint received 2016-05-01 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: NCC Business Services, Inc.
State: MI

Complaint narrative:
This company contacted my sister as well as my co-worker and stated that this is a debt collector looking for XXXX XXXX. They continued to contact them and left voice mails numerous times, despite being told not to call them again. This company also misrepresented themselves as having a license and registered debt collector in the State of Michigan but they are not. This is a debt account that does not belong to me. I called this company and mailed them a letter requesting validation on XXXX XXXX. They never responded to my request. In fact I never received any letters from them ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
We were denied of a modification due to " not imminent default ''. Our income is less than halfthat when we got the loan. I lost my job due to medical reasons and I am filling for XXXXOur loan take 36 % of our income.

Company response to consumer: Closed
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC
State: TN

Complaint narrative:
I have a dispute still under investigation with one of the credit bureaus. 

United Recovery Systems is the debt collecting company collecting on behalf of XXXX XXXX on my credit card debt. Even though I have been paying on time according to the negotiated terms and allowing the company to directly debit my bank account they are still reporting me monthly as paying late because they are using my total balance owed as past due instead of reporting the amount due as the payment amount that they agreed to accept as a monthly payment XX/XX/XXXX. I am being intimidated and/or threatened by this tactic. When I spoke with a United Recovery Rep on XX/XX/XXXX to try and resolve this issue with them directly, he essentially told me that they would continue reporting me as late until the entire balance is paid off. I acknowledge that I owe the balance but if I could pay the whole balance off in one lump sum I would not be in this situation. I am trying to do the right thing by paying as agreed according to the negotiated terms of repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Financial Asset Management, Inc.
State: MA

Complaint narrative:
On XXXX/XXXX/15, I received information from a credit monitoring service noting that on XXXX/XXXX/15 and XXXX/XXXX/15, Check City XXXX, in XXXX Utah had opened XXXX accounts under my name and personal information. XXXX loan is for {$700.00} of which I did not authorize as someone fraudulently obtained my personal information including SS # to open an account. On XXXX/XXXX/15, I sent a fax to Check City XXXX asking them to investigate this issue and advise how me may resolve this matter since my information was fraudulently obtained. Included in my fax was copy of my MA Driver 's license to prove my identity. I did not hear back from Check City XXXX and on XXXX/XXXX/15, I called this establishment and had to leave a voice-mail message outlining this issue since no one answered the phone. To date, I have not heard back from Check City XXXX either by verbal or written communication. Clearly, my identity has been compromised and accounts established using my name and SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: MI

Complaint narrative:
united recovery systems XXXX # XXXX this company has failed to provide me with competent information that I own this debt they have failed to provide the following information to me. 

1. provide me copies of papers that show I agreed to pay what they say I owe. 
2. prove the statute of limitations has not expired for this account 3. show me that they are licensed to collect in my state 4. provide me with there license numbers and Registered agent My request for validation was sent via USPS certified mail dated XXXX/XXXX/2015

Company response to consumer: Closed with explanation