vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Van Ru Credit Corporation
State: NY

Complaint narrative:
I checked my credit history and there was this debt there from XXXX and I do n't order online and this I never opened and its fraud and I should n't have to pay for what somebody else did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Manhattan Financial Group, Inc.
State: CA

Complaint narrative:
Applied for a Mortgage loan with Manhattan Financial Group got approved with a loan account number XXXX, paid 1st Payment on XX/XX/2016 for a due date of XX/XX/2016. They sent a letter stating that my loan has been sold to new lender XXXX home loans on XX/XX/2016 and the XX/XX/2016 payment should go to the new lender and not to them. My check to Manhattan Financial Group was cashed by them on XX/XX/2016. They are obligated to send this money to new lender instead they kept this money with them. I sent several mails with no response from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Credit Service Company, INC
State: CO

Complaint narrative:
A collection agency has sued me in a different city from a debt that is not valid and an error made by the hospital without properly contacting me. My very first contact with them was a summon to go court in XXXX, while I live in XXXX where there are numerous courts. I was not given proper chances to dispute the debt. I was dishonestly billed close to XXXX XXXX dollars for an XXXX and a XXXX, with no prescription and 30 minutes of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Pinnacle Credit Services, LLC
State: CT

Complaint narrative:
XXXX has continued to give false information to the credit bureaus regarding this account that was initially XXXX XXXX. This account was removed from my report by XXXX XXXX because of a dispute. This company has on numerous occasions provided false information in order to reage this account that was originally disputed in XX/XX/XXXX. Pinnacle is reporting XX/XX/XXXX. I have filed a lawsuit and have sent them a certified copy. I just received a return receipt that looks like chicken scratch. This company uses fraudulent tactics and has yet to notify the bureaus of pending litigation or of the XX/XX/XXXX originated date for XXXX XXXX. This company needs to provide a copy of what they provided the bureaus and also documents from XXXX XXXX on their own letter head with a date from this year. I have also contacted consumer protection in the attorney generals office in their state as well as ct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
Tried to contact my new mortgage servicing company ( Fay Servicing ) that purchased my loan from XXXX XXXX XXXX. Per their website XXXX I attempted to call them during normal business hours at XXXX at XXXX XXXX central time or XXXX XXXX local time ( mountain ) and the phone message says they are currently closed and gives normal business hours that also say they should currently be open. In addition the mail box for leaving a message so someone can call you back on the next business day is full so I can not even leave a message to have someone contact me. Being closed when you are supposed to be open to help customers makes it very difficult to do business and get help solving issues especially for a customer that just had their loan transferred from a large financial institution to one that has never been heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from WAKEFIELD & ASSOCIATES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against WAKEFIELD & ASSOCIATES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2015-08-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Comerica
State: FL

Complaint narrative:
Good morning, I retrieved my credit report and credit score from the annual credit web site. I called Coamerica Bank and spoke with XXXX XXXX from the HELOC department and informed her that my credit scores is XXXX and I have declared bankruptcy 5 yrs and I have a discharged 4 years ago. I informed her numerous time what was Coamerica credit scores criteria and bankrupcty criteria as I was interested on a HELOC for $ XXXX ( my primary house value is {$370.00} ) the CLTV would be 35 %. She mentioned in order to know if Coamerica would accept it, I would have to apply. I did and after 10 days, Coamerica denied my HELOC based on these issues. I could have prevent it and although is minor, it would n't affect my credit scores nor taking her time, nor mine. My issues is to either coach and train the employees at Coamerica so any future consumer will not go through the aggrevation. The disclosures are great however ; product knowledge from the initial contact would be better as the consumer would know whether to proceed or not. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stanislaus Credit Control Service, Inc.
State: GA

Complaint narrative:
Georgia Crime Victims had took care of this bill. I was XXXX by XXXX people on XXXX property on XXXX XXXX, 2013. I was treated for my injuries and this program covered all medical expenses through there program. I had related to them that they need to use my claim number to find check number associated to payment that was issued. I do not owe or believe that I am responsible for this balance. These allegations are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19 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: NJ

Complaint narrative:
I made a payment on a {$69000.00} loan of $ XXXXXXXX3.62 % they applied {$960.00} to finance charge and {$230.00} to principal. This is wrong. I called and was told they will look in to it. My first call was XXXX/XXXX/15, they have still not resolved this. I do n't know who this Co is Specialized Loan Servicing LLC, they said they got this loan from XXXX XXXX XXXX XXXX to witch I have been making payments for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My second mortgage, held by SLS, was converted into a regular mortgage without any notification and at a 5 % interest. This more than doubled my payments overnight.

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 2016-11-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: ID

Complaint narrative:
I submitted a claim on XXXX/XXXX/16 [ Case number : XXXX ] SLS responded that they WILL NOT REMOVE THE 30 DAY LATE. There decision is illogical and I will continue to dispute this with more vigor.I have provided my response letter to help explain the details .... 
XXXX XXXX, 2016 To whom it may concern, I am completely dumbfounded at your response! You must REVIEW this attached letter and other documents AGAIN -YOUR INFO IS INCORRECT! You produce and claim you sent a letter stating payoff instructions but I NEVER RECEIVED ANY CORRESPONDENCE LETTER WITH PAYOFF amount! You stated you sent the check back! THIS IS NOT TRUE! I OBVIOUSLY DID NOT RECEIVE THE CHECK BACK or how could you cash it on XXXX when the letter is dated XXXX. If you sent this letter WITH SPECIFIC PAY OFF REQUIREMENTS AS STATED why did you cash the check when a cashier 's check was required! IT IS ILLOGICAL AND I ASSERT it is CORRUPT AND DISHONEST! If this was done properly, and YOU ACTUALLY returned the check, I would have MAILED THE CASHIER 'S CHECK AND ALL WOULD BE WELL. I YOU had NOT CASHED THE CHECK I would have been alerted and resolved this and ALL WOULD BE WELL. IF YOU WOULD HAVE APPLIED MY XXXX payment on XXXX XXXX when it was received then ALL WOULD BE WELL. IF YOUR EMPLOYESS WOULD HAVE ADVISED ME PROPERLY 4 TIMES THAT I CALLED! THEN ALL WOULD BE WELL-but YOUR COMPANY DID NONE OF THESE THINGS and THIS COMPANY SLS is therefore SOLEY RESPONSIBLE!!!! You cashed my check and did NOT APPLY IT!!!! 
Think about this ... If this letter was in my record WHY DIDN'TANY OF YOUR employees have any idea about it! I assert it is BECAUSE IT WAS NOT THERE. I assert that you are unfairly reporting a late payment and that I was unfairly ill advised through personal phone calls and mail correspondence and am therefore NOT RESPONSIBLE FOR 30 DAYS LATE REPORT TO CREDIT AGENCIES. It is NOT REASONABLE to consider this could be! I MADE THE LAST PAYMENT ON TIME XXXX XXXX -- -YOU HELD THE MONEY FOR OVER 50 DAYS until XXXX XXXX!!!! Even though AND ONLY AFTER I called SEVERAL times -see my LETTER again! I AM OUTRAGED BY THE DISHONESTY HERE AND HAVE REPORTED YOU TO THE CFPB

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 2015-06-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Monterey Financial Services LLC
State: WA

Complaint narrative:
I took out a loan for {$490.00} for furniture. The advertising at the store said " 90 days same as cash financing. '' Wrong!! They said it would be {$550.00} over 90 days and they would charge me an extra {$15.00} to make that XXXX even payments. When I asked how much it would be to pay in full that day ( 5 days later ) I was told it would be {$540.00}. Then I was told it would be {$530.00}. Then after spending 45 minutes on the phone when them and exchanging many e-mails asking where these fees were coming from they had a " supervisor look into it '' and I 'm now paying the original amount plus a {$25.00} service fee. They have been deceptive from the start and just try to get as much money as possible out of people. Now that I 'm trying to pay it online ( for an extra {$10.00} charge ) there are more issue and if I call to pay it there 's another {$15.00} fee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
My loan was transferred to Specialized Loan Servicing in XXXX 2015 and they have neglected to pay my special assessment taxes and now my home is in foreclosure status. I have copious amounts of notes showing my contact regarding this issue since XXXX 2015. 
In addition I have been sent incorrect escrow analyses showing they have paid irrigation taxes and I pay my water bills monthly. They also have incomplete documentation on all my calls. 
They indicate they will take care of the situation but 4 months later it is still on going.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Monterey Financial Services LLC
State: MD

Complaint narrative:
monterey financial ageed to update the credit bureaus after my last dispute through CFPB. However XXXX is reporting the item as being 60 to 90 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 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:
A/C # XXXX SLS ( Specialized Loan Servicing Company ) Names on Loan : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tel ( XXXX ) XXXXDear Sir/MadamSLS services a XXXX loan on my property at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
The payment is due on XX/XX/XXXX, with 15 days grace period. I make my payments on a timely basis via US mail. I use their stationary snf envelope for address. I attach payment stub.They do not credit my account and call me and say that I have not made the payment. It is either of few things : 1 ) they lie and post the money after the grace period is expired intentionally to earn late charge. 2 ) their bookkeeping department is losy and organize or 3 ) they have deal with XXXX XXXX and want me to pay alomost {$10.00} to XXXX XXXX if I go pay-by phone, 4 ) some one in SLS bookkeeping steals checksor 5 ) some one in post office with zip code of XXXX steals mail, the chance of which is really minimal. I have to pay for fake late charges to the benefit of SLS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
XXXX XXXX transferred my loan to Specialized Loan Servicing on approximately XXXX/XXXX/XXXX. At the time my mortgage payment with XXXX XXXX was XXXX. It was broken down as follows : P & I {$1000.00} and Escrow of {$450.00}. The escrow amount amount transferred to SLS was {$4200.00}. Specialized loan services did not send me any statements so I contacted them to start paying my mortgage. They insist that the amount of my mortgage payment is {$1900.00}. {$1000.00} in P & I and {$870.00} in escrow. This would calculate out to over XXXX a year in taxes. As my property tax is only XXXX and my insurance premium is {$670.00}, the amount that they are trying to escrow is twice what it should be. I mailed a payment for {$1400.00} in XXXX which was cashed by SLS in late XXXX. In XXXX I made a payment of XXXX to make sure that there was enough funds in escrow to cover my taxes. I also made two payments in XXXX XXXX in the amount of XXXX. I have finally gained access to my online account in XXXX to find out that SLS is keeping all payments of XXXX in an unapplied account and calling my account delinquent. I have made numerous calls and have spent hours on the phone with various SLS staff and have been disconnected, put on indefinite hold, and told that a ticket has been opened only to call back to find that there is no ticket for the problem. In XXXX alone I spoke with XXXX in executive services Empl # XXXX on XXXX ; he was going to call and update me the following week. He did not. I spoke with XXXX in executive services Empl # XXXX on XXXX/XXXX/XXXX and was told they are still looking into it. I spoke with XXXX in Executive Services Empl # XXXX and was told to write an e-mail to XXXXXXXXXXXX I did write that e-mail and have not had any response. She also told me that SLS would not accept any payment less than XXXX. I honestly do not know how to move forward with this to get this resolved. I received a new escrow analysis showing my monthly mortgage payment beginning XXXX XXXX will be XXXX. However this does not resolve the fact that SLS is not applying my current payments to my mortgage. In closing I received a letter from SLS today stating that my mortgage is seriously delinquent due to the fact that they are holding all of my payments in an unapplied fund account. This is negatively affecting my credit rating and by not applying my payments correctly, the interest I paid in XXXX is incorrect as well as the fact that I am accruing additional interest on my mortgage. Additionally they are holding a cushion of {$840.00} in addition to the {$840.00} which is XXXX of the estimated payments for my anticipated escrow. Any assistance that you can give me would be greatly appreciated. It has been a nightmare dealing with SLS.

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 2017-03-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
I have never been so humiliated and disgusted with any housing business as I am with Fairway Independent Mortgage Corporation at this moment. The XXXX TX branch have one of the nastiest and hateful persons working on loans right now and it makes no sense. I closed my loan with Fairway in XX/XX/2016 and they sold it to a bank, fine no big deal. My monthly payment did not change. Last week I receive notice from the bank that my escrow was short almost {$900.00}, so I call the bank and they tell me that some taxes were not inclusive in the escrow. I call this lady XXXX at Fairway to get some assistance with this because I am confused. I have owned XXXX homes and never has an escrow account be so out of balance and it did not make sense. She was nasty from the start, not trying to hear what I had to say. I asked her to call the bank because they had two separate stories ands told me that was above her job description and she was not going to call the bank. At this point I am telling her how unprofessional she is acting and just forward me documentation of what she was saying. She hung up on me. Then I emailed the guy who actually did my loan and I cc 'd her explaining everything to him. She responds, thinking she is sending the email to him, but accidentally sent it to me calling me " XXXX '' I respond telling her she sent that to me and calling me out of my name was not only unprofessional, but not to be tolerated. She never even apologized for getting caught doing something this unprofessional. She then later emails me in response telling me " if I had any kind of decency, I would not have emailed her manager since he was just out of XXXX. '' I had no idea he was in XXXX as he emailed me this weekend in response to my question regarding this. XXXX is the most unprofessional, rudest, insensitive person I have met at this company and shame on you # Fairwayindependentmortgagecorporation for allowing a person with such a nasty attitude to have access to clients. Is this what you think of your business practices? With this being sad, anyone who chooses to use this company, asking for XXXX is a HUGE risk.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
This file has been under review for a short sale for 228 days, I have documentation and proof to back this up. 

The file was WRONGFULLY closed XX/XX/XXXX as I called on XX/XX/XXXX to confirm there was nothing else needed and I was told we were to expect approval any day. 

I call on XX/XX/XXXX and was told the file was closed out. I had to RESUBMIT the entire packet again. 

I called at least once a week to check on the file and was told to send one correct which it would do immediately because I already submitted the document. I would call the next day to confirm receipt and was told to resend something else. 

I spent over an hour on the phone with XXXX in the short sale department on XX/XX/XXXX to confirm the documents he needed. On XX/XX/XXXX, I confirmed a complete packet. He also confirmed our offer is HIGHER than the BPO value. 

There is a foreclosure date set for XXXX and it NEEDS to be postponed. This file was wrongfully closed TWICE now. We are on our SIXTH approval extension with the XXXX lien. There is no excuse for this file to be handled this way. 

XXXX XXXX XXXX P : XXXX F : 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 2015-09-02 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: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
With reference to CFPB Case number : XXXX, BERLIN-WHEELER continue to report this account that I am disputing to the credit bureaus. The ledger that BERLIN-WHEELER attached on the above case that I am referencing to prove that the balance still unpaid actually showed that the debt was paid and such showing a zero balance.

Company response to consumer: Closed with explanation