vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My mortgage lender of less than 5 months, Specialized Loan Servicing ( SLS ) filed a NOS on my property. They approved me for a loan modification and did not allow me the timeframe needed to complete the approval process before they filed a sale date of XXXX/XXXX/16 on my home!! The minute I told them I was working with KEEP YOUR HOME CA, they escalated their sense of urgency to foreclose on my property. I was given 3 weeks notice they are going to sell my home on XXXX/XXXX/16. They refused to postpone the sale date to allow KYHCA to process the payment to them that will reinstate my mortgage loan balance and allow me and my XXXX kids to stay in our home. THE SITUATION WAS MANUFACTURED INTENTIONALLY!!!! 
There is no reason for SLS to foreclose on my home! I experienced a brief financial hardship. the financial hardship is over. My job is strong and my income is strong. THIS IS ALL ABOUT THE GREED OF A BANK WHO IS TRYING TO CIRCUMVENT THE VERY PROCESS DESIGNED TO HELP HOMEOWNERS, ALL IN THE NAME OF GREED. 

I am approved by KEEP YOUR HOME CA and they refuse to withdraw or postpone the sale date on my home to allow KYHCA to bring the loan current This was absolutely MANUFACTURED! And CRIMINAL BETWEEN XXXX XXXX XXXX AND SPECIALIZED LOAN SERVICING! 

Only a bottom feeder purchases loans in a delinquent status. Because they smell PROFIT! My loan is owned by XXXX XXXX and there is more than {$200000.00} equity in my home. Please stop another greedy bank from profiting off the backs of a single mother and her XXXX children. This is our home of the past 17 years! 
Please contact this bank and help me and my children keep our home. 
SPECIALIZED LOAN SERVICING XXXX, CO XXXX XXXX p XXXX f XXXXXXXXXXXX Please call me anytime at XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LOAN NO 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 2015-12-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
Im a military Veteran on XXXX XXXX. My wife who is back home has been dealing with a mortgage company called SLS. They took it on themeselves to Remod our mortgage and said our payments ar now XXXX from XXXX. We have spoken to them and all we get is a run around. They have placed a deliquincy on our credit and stopped us from doing a Refi as the other banks see this fraud deliquincy on our credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 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:
I have a loan that is to be paid back in monthly installments, however I am unable to take care of it right this minute and the employee continues to come to my home on a daily basis and call me twice a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Borrowers were approved for a 3 month trial for a Proprietary Modification in XXXX XXXX with XXXX XXXX. First payment was XXXX XXXX, XXXX in the amount of {$1400.00}. They made XXXX payments to XXXX XXXX and were never offered the permanent modification. The loan was transferred to Specialized Loan Servicing and the borrowers made their first payment to SLS in XXXX XXXX. The borrowers have proof of every single payment made to XXXX XXXX and SLS starting with XXXX XXXX through XXXX XXXX. 

The borrowers were never given the permanent modification and they are still waiting for it. The borrowers did not start questioning the status of their loan until they received the Default Notice and Notice of Intent to Foreclose dated XXXX XXXX, XXXX from SLS. 

Please note we submitted a dispute letter along with back up documentation to SLS on XXXX/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 2015-06-03 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: CA

Complaint narrative:
Home equity loan service company SLS took over from another home equity loan service company XXXX in XXXX. Since SLS has begun servicing nothing has been correct on my account since, including payments made. Below is a description of the problem. 

In good faith I have attempted to get resolution with you, ( SLS ), regarding errors to my account to no avail. My account has always been in good standing with you, XXXX I provided proof of all payments for 2015 ) since you took over servicing from XXXX, however my current monthly statement does not reflect so. Each month, proactively, I have called SLS speaking with a number of individuals in executive services and have received acknowledgement my account is n't correct in some way or other and from several individuals been told that you had a number of errors from XXXX accounts that came to you from XXXX including mine. I was also told by XXXX that my monthly payment is n't enough to payoff the entire loan balance under the terms of the modification I completed with XXXX last year and someone needed to complete an audit. 

From XXXX last month, a review of my account is warranted, monthly payments were n't applied properly and that I would receive a call back from someone within 5 days after a review. Nothing by SLS to audit or correct my account has been completed. 

Therefore, since you have been negligent in completing a through review of my account and correcting errors, including payments, I am filing a complaint against SLS with the Consumer Financial Protection Bureau an affiliate of the XXXX Treasury that oversees improprieties against consumers. I also have reason to believe that due to my account errors with you my credit rating has been denigrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
My XXXX XXXX. was sold to a company called SLS, LLC. Since the onset in XXXX 2015, it has been a nightmare. 1. I could not get my mtge. paid to XXXX as I got the notice after the XXXX of XXXX 2015. I went to XXXX to make my regular mtge. payment and they could not accept it but also, could not tell me my new account information. 
I got the SLS info when I returned to the stack of mail. I called them and they did not have an account # assigned yet. I sent the payment in ( late ) and that has lead to a whole set of problems. 
The current situation is they have stopped sending me a monthly remittance/advice to use to send in a payment. I have been just sending in the check and using the account information given. I have just received a XXXX statement dated XXXX on the day of XXXX in todays mail! It is asking for XXXX on a mtge. amount that is XXXX, they have had it XXXX since day XXXX. 
What I need to happen:1. Who holds my mtge. 
2. I went through the HAMP and for the next 5 years I have a mtge. that can not be changed and/or sold. How did this happen? 
3. I want XXXX to take back the mtge. from SLS, LLC4. SLS has a unscrupulous reputation - how are they allowed to operate? 
5. Is there a class action lawsuit pending against SLS? 
6. If not why and when can I start one? 
SLS loan # XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, CT XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 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: Monterey Financial Services LLC
State: NJ

Complaint narrative:
Bought a timeshare through XXXX XXXX while under the influence. I emailed them to cancel it within the 120 day period and it was being disputed. Did not have any contact with debt collectors, assuming that this was taken care of. I tried to get a mortgage, and found out through a credit report that they had filed to collect once again. I only found out through the credit report about the collection. I still have not received a phone call, email or even a letter telling me I still owe them money. It has been in dispute all along.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
Several weeks ago I requested information on a loan consolidation from XXXX. They informed me that there was a Bankruptcy indication on my SLS, ( Special Loan Servicing ) account who services my XXXX mortgage, thus, XXXX denied me a loan until this matter is resolved. However, I have never missed a payment or ever filed for Bankruptcy at anytime in my life. I contacted SLS who has only delayed in admitting they made a mistake and to contact XXXX and the Credit reporting companies to correct this grievous error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 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: Robinson, Reagan and Young PLLC
State: WA

Complaint narrative:
I cancelled my XXXX service on XXXX XXXX, 2015. I was told by the representative that my final balance was XXXX. XXXX never sent me any bill or demand. Instead, on XXXX XXXX, I received a collection letter from XXXX, a collection company. I filed a complaint with the Bureau of XXXX Financial Protection, and XXXX ceased working on my account XXXX Case number : XXXX ]. Subsequently, on XXXX XXXX, 2015, I received a new collection letter from a different company : Robinson, Reagan and Young, P.L.L.C. Since I have never received any bill or request from XXXX, and since they referred my account to collection agencies after telling me I had a XXXX balance when I cancelled, I am filing this complaint.

Company response to consumer: Closed
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I applied for a HAMP loan modification with the help of folks at the NeighborWorks HomeOwnership Center of Central MA. The papers were all submitted 14 days prior to a scheduled auction. SLS is refusing to review my application, and insists on moving forward with the application. It was my understanding that as a HAMP servicer, SLS needed the paperwork 7 days before an auction. Our situation has improved, we have solid income, my counselor tells me that the math works, I just need SLS to review my application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANCO POPULAR DE PUERTO RICO
State: TN

Complaint narrative:
My late mother passed away a year ago. She left a creditcard with Banco Popular of Puerto in her name with a high balance. The credit card division has filed a lawsuit demanding payment. My Attorney XXXX XXXX XXXX has approached the credit card division of the bank and negotiated an agreement to pay off the outstanding balance from {$38000.00} to {$24000.00}. My surving father has two CD 's which add up to more than {$100000.00}. My Attorney suggested to the bank that one of the Cd 's be cash and the monies be applied towards the outstanding balance. The people at the consumer division of the Banco Popular refuse to do this. Neither I nor my XXXX sister have that kind of money. Could you folks please help me with this problem? I have dealt before with the bank 's Attorney XXXX XXXX XXXX XXXX at the banks legal division at XXXX ext. XXXX. I think the solution suggested makes common sense. Thank you for all previous help and may XXXX bless all of you! 
XXXX XXXX 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 2016-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: United Student Aid (USA) Funds
State: FL

Complaint narrative:
XXXX is a debt collector for USAFunds. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint. 


USAFunds is using XXXX as their debt collector. I sent XXXX several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.

Company response to consumer: Closed
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
My mortgage was sold to a company called SLS ) Specialized Loan Servicing XXXX in XXXX of 2015. Since that time they call my home multiple times per day, almost everyday. Sometimes XXXX right after another. My account is not in arrears, my information is current and they have all insurance documentation. I have repeatedly asked them to stop calling. I have also faxed them a cease and desist as they requested. The calls have not stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds
State: FL

Complaint narrative:
I had a student loan debt in the amount of {$2500.00} give or take a few. XX/XX/XXXX I paid over {$8000.00} to take care of that debt and am still paying now - just recently I was sent to XXXX to pay the last {$800.00}. I received a XXXX for showing XX/XX/XXXX a total of {$3.00} was paid as interest on my student loans. I have called several times requesting a SOPA letter have been transferred back and forth between all XXXX companies above all claiming " the loan is no longer with us - is purged we can not see the information '' and " you need to contact this additional number to request that '' only to be told to go back to the other for the SOPA letter. With the exception of XXXX whom only says we know nothing other than the {$800.00} we just took over. Which is where the {$3.00} of interest came from. 
I was also told that once I made those payment to XXXX for XXXX months and it was picked up by a lender ( XXXX ) that all delinquencies would be removed from my credit which is the only reason I agreed to go thru with the program ... not that I had a choice they took {$5500.00} tax return last year which by my calculations should have more than paid it off. I paid that {$5500.00} in XX/XX/XXXX and since XX/XX/XXXX have paid {$56.00} a month and now continue to make payments and of the original XXXX loans totalling {$2500.00} now show XXXX loans on my credit report all XXXX show delinquencies and only say " paid as agreed '' I have asked what their rates are no one seems to know all these agencies ( XXXX, XXXX, XXXX - XXXX XXXX ) just keep sending me to each other getting lost in the shuffle of voice systems that never lend to my issue ( inactive/paid loans ) and reaching customer service can be time consuming and difficult - when I do they never help or have an answer. XX/XX/XXXX I tried to make whole on these small loans - was told this program was only thing I could do to " save '' my credit - that appears to have been completely false. 
I never received pre claims assistance - I was lied to about how to make whole on this account- I have paid well over XXXX times the debt amount and still paying. I have no idea what is interest or fees. I have incurred more debts trying to pay these debts that just keep burying me deeper - this whole process is predatory and theft. UPDATE XX/XX/XXXX I received the total amount of interest paid was {$36.00} that seems way out of sequence on the over {$7000.00} I paid this year alone on a total {$2500.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Northstar Location Services, LLC
State: CO

Complaint narrative:
Northstar collections has been calling my home number for over three months trying to collect a debt on someone who does not live here and I do not know. I have asked them twice to remove the number, yet they still call 2-3 times a day. They also call at inappropriate times. On XXXX/XXXX/16 they called at XXXX. On XXXX they called at XXXX and XXXX. On XXXX/XXXX/16 they called at XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
This letter is being sent to you in response to the above reference account that Wakefield & Associates has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Wakefield & Associates for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf Wakefield & Associates is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
SLS mortgage servicing company wrecked my credit, family livelihood and forced me from my dream home due to their unacceptable attention to detail and inability to process paperwork

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 2016-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
Monterey Financial has extracted a late fee from me even though I have paid them on time. They have stopped my access to my educational program due to stating that my payment was late however they have received my first payment plus late charges and still I do not have access to my class. I have paid them off in full {$2700.00} yesterday but I still do not have access to my class at careerstep.com. I was treated like a criminal even though they did not mail me my loan documents or give me any copies of my financial agreement. I tried to set up a payment system with them thru my bank, XXXX but they do not process payments in a timely manner in order to extract late fees. They should be charged for bank fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation