vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANCO POPULAR DE PUERTO RICO
State: NJ

Complaint narrative:
It 's been very difficult working with this bank. 
( 1 ) As you may have on file, I previously reported their unfair fees and penalties to your agency. Your agency helped me with this. 
( 2 ) It 's been months, if not years, that their online payment system has been strange. It used to ask questions that were nonsensical. I finally called them to get things straightened out, and made a payment online. However, they said it was entered with the wrong information. They never proved it. It may be fraud. Yes, they charged me penalties. 
( 3 ) Most recently, their business changed in some way, and the minimum due increased by about 50 % ( from {$59.00} to over {$90.00} ). I barely use the card. Today, I spoke with XXXX XXXX, and she said that my previous payments of {$59.00} ( the automated system 's minimum due ), had been too low. I was following what the automated system said. Most importantly, Their online system has been so messed up that I had to phone them in order to pay my bill.

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 servicing, payments, escrow account — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular de Puerto RicoMortgageDespite being completely up to date, this bank has been harassing me since XXXX 2015, every month by calling on the 1st, 2nd and 3rd day of each month to pressure me to pay and when they can expect payment. I repeat, the mortgage is not in arrears or default, it is completely up to date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, Specialized Loan Services, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now Specialized Loan Services ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
I sent the loan company a letter requesting them to revoke my ACH debit authorization based on my consumer rights. In addition, I asked that no phone calls be placed to my place a work or business. The days I sent the letter via email I received a call from a private number to my work and personal cell. A lady by the name of XXXX, told me that she would not honor the letter I sent asking to revoke my ACH debit authorization. She begin to harass me and became very unprofessional. I researched the company and found out they do not have a CA state business license and their fees for the loan was not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I am Complaining about SLS my loan servicer, SLS says in a letter sent to CFPB that I will attach for your review that mediation took place on XX/XX/2016, but in fact their attorney refused to, and we ended up in court on XX/XX/XXXX instead of mediation which is what I was promised since the very beginning, also in that latter it indicates that meditation was postponed to a later date which is not true, a settlement agreement will also be attach for your review, their attorney offered me conciliation NOT mediation.

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 2015-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC.
State: MA

Complaint narrative:
I previously complained about our escrow account. Plaza calculated our tax payment incorrectly. After receiving the complaint from the CFPB, Plaza did an escrow analysis and issued a partial refund. They closed out my complaint with the CFPB but they did the tax analysis incorrectly and calculated our tax payment at double what the actual taxes owed are. I called for a correction and was told it would be fixed before the XXXX XXXX payment was due and never heard back. Our monthly payment should be lowered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
SLS is the mortgage service provider and they are not providing me assistance. I applied for a modification and I had done a quit claim deed on the property to leave my wife XXXX as the only XXXX on the loan since she is also the co-borrower on the account. The reason for this is because we were having issues as a couple, but SLS wanted to see a divorce paper which we didnt have and we had informed them already. This is the reason they denied us for a modification dut to missing documents, they wanted to see a divorce paper, I informed them that there was none and instead of reviewing me with what they had as a complete packet they denied me for missing documents. I will be attaching all complaint and appeal letters I sent out to them. Another issue was that I had filed bankruptcy pro-se on XXXX XXXX XXXX because they said there was nothing else they could do, but I knew they were not helping me. I had a sale date coming up and the bankruptcy was done a day before and they were able to stop the sale date since I was already protected under the automatic stay. I was unable to finish the bankruptcy because I have been in and out of the hospital due to health issues and SLS already knows this, I had XXXX already. When we applied again on XXXX XXXX I had a sale date for XXXX XXXX. This is the time when they were asking for missing documents which was the divorce paper, they wanted us to divorce or something because they kept asking for that. So I filed bankruptcy on XXXX XXXX a day before just like last time, but they said that the sale went through and that there was no stay, even though the court confirmed that I was protected under the automatic stay. I have been fighting with them, my intentions were to keep my home. I didnt even have the chance to finish my bankruptcy because they kept saying that even if I finished it, my home sold already. This is very unfair! I never got a fair review on my modification even though they had all documents. The strange and concerning part is that even though they say my home sold on XXXX XXXX XXXX, I received a complete packet with a letter on XXXX XXXX, XXXX ( that im also attaching ) that I am eligible to apply for a modification and to submit everything again. This is very disturbing and I need an investigation to be opened please.

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 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX I met with First American Title Company to process the closing of my mortgage refinance. Part of the deal, as stipulated by the bank, was for them to withhold some of the money owed to me and use it to pay XXXX credit card bills : XXXX and XXXX XXXX, around $ XXXX in total. 
As of today, XXXX, none of these bills was paid. Their representative, XXXX XXXX, did not return my calls for the past week, and yesterday, abruptly notified me by email that they put a stop payment on the check that they supposedly sent to XXXX and XXXX XXXX, and they will send replacement check to me personally, so I can forward these to the CC companies. He did not ask or receive my authorization to cancel these checks, instead refusing to take my calls and avoiding any communication with me. I questions whether these checks were timely sent at all. 
In the interim my CC bills risked becoming past due, and accumulate fines and interest ( I always pay these on time to avoid interest payment ) so I paid them myself. Not sure what to do with the checks that First American is about to send to me. They suggest that I send these to the CC companies, have them cash the checks, and then ask for a refund, once my account has a positive balance. This is time consuming and expensive. At the end it will take me over a month the recover the money due to negligence on the part of the title company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: IQOR US INC
State: IL

Complaint narrative:
I got into a contract dispute with XXXX XXXX. XXXX broke our contract based on XXXX issues. I rightfully terminated our former agreement for non-performance. Thereafter, XXXX tried to use debt collection agencies to enforce early contract termination fees. Debt is defined as a promise of future payment owed for goods and/or services rendered. 

Early termination fees of a contract agreement rightfully discontinue is a contract dispute not debt for services or goods provided. This is a civil matter not a collection matter. There is no court order. XXXX XXXX is trying to use the debt collection process as a means of extortion rather than hiring an attorney and taking the matter to court which is their legal right and where the issue belongs. I believe they are using this method because they understand they have no legal position. 

Thereafter XXXX XXXX hires a collection agency. The collection agency writes me notice I respond with proof of service and deny any debt. The collection agency quits and XXXX XXXX hires another collection agency. Again, I respond with proof of service and deny any debt. The collection agency quits and XXXX XXXX hires another collection agency. This goes on 6 times. I have attached all correspondence and proof of delivery to each. 

It appears in the middle of this process XXXX XXXX increase the amount owed and changes the account number. Finally XXXX XXXX finds a collection agency that sends no notification " Allied Interstate ''. The agency immediately reports I owe {$410.00} ( and some change ) to XXXX XXXX and gives this information to credit rating XXXX and XXXX. I write a letter to Allied Interstate claiming I was never sent a notification and could they please send me a copy. They do not reply. I write back stating to please send the original notification and I further tell them that I will be requesting XXXX and XXXX the remove this from my record and verify any alleged debt. This would remove any plausible deniability on Allied 's part. Both XXXX and XXXX do so. Thereafter I write to Allied demanding they remove this claim from my credit record telling them, what they have done is illegal ( since no notification was sent and I will report them if they do not ). See all correspondence attached and proof of delivery. 

As of date this issue still remains on my credit record.

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 2016-05-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc.
State: CA

Complaint narrative:
CarMax auto finance has taken advantage of our family, gave us a high interest rate, we have paid over 4 years now and tried to work a settlement offer and refinance for a lower payment and they will not cooperate whatsoever. We are having financial hardships, my husband has been on XXXX leave and I am a XXXX XXXX XXXX that works only 9.25 months a year. We have tried to contact the company with a reasonable settlement to deliver the car as a voluntary repo with a settlement paid status so they do not come for the balance since the car has been paid in full from the price sold, they can still sell it and make more money off the interest. We have spoken to over XXXX customer service representatives and XXXX managers and have had no luck in getting any type of arrangement made in writing. They will not work with us at all and are very unhelpful. We feel they have discriminated against us because we are minority with this high interest rate and we have paid and made payment arrangements in good faith. They are unwilling to help our family in need we have XXXX children and my husband still remains on XXXX. We feel the offer was fair and given our circumstances and true inability to pay any longer and our family is now in a desperate situation requesting the company 's assistance to come to an amicable arrangement. We know it can be done and has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Credit Associates of Maui, LTD
State: HI

Complaint narrative:
1. Credit Associates of Maui , Ltd. ( CAML ) failed to provide correct balance due and proof of calculations. Disputing the balance on my account. 

Requested proof of calculations many times via phone calls and letters from XXXX to include certified mail and return receipt dated XXXX/XXXX/XXXX. I received no response ( phone calls or letters ) from CAML. They failed to provide verification of amount due. 

Violation of XXXX XXXX XXXX ( XXXX ) ( A ) and Hawaii FDCPA XXXX. 

2. CAML mailed personal information ( dated XXXX/XXXX/XXXX ) to wrong employer. ( Improper handling ). CAML continued to mail personal information to wrong employer ( dated XXXX/XXXX/XXXX ) after my employer notified CAML in writing not to send any personal related information to their office. ( This XXXX mail was forwarded to my employer from the wrong employer ). ( For clarification purposes, I work for the XXXX and XXXX collection notices were sent to the wrong XXXX ). 

Violation of XXXX XXXX XXXX ( a ) ( XXXX ). 

3. CAML involved in deceptive practices/ inefficient internal procedures. 

CAML did not make fair attempts to contact me that my automatic payments from my checking account would be terminated ( the initial agreement states that " ... this authorization shall remain in effect until the balance is paid in full or company receives written notification from m of any intent to terminate this payment plan ... '' ). My checking account is still open and has always had funds for the automatic payments to continue. There was no reason for CAML to stop these automatic payments from my checking account other than increasing payments without my consent and/or mutual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
State Farm Bank is the XXXX mortgage holder on my house, they received all the requested documents for modification/settlement review. I have provided all the items they requested but despite my numerous phone calls they are not responding to me about the status of my file. Their phone numbers are always busy and I have to wait for more than one hour and then finally the call gets disconnected!!!! 
I have tried many times to get some ressponse from them but State farm is not responding!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC

Complaint narrative:
I was tricked into an online learning college scam and ive become aware of it a few months to this day. I was pursuing a dream of becoming a XXXX, but unfortunately I was not lucky at the moment I enrolled in an online institution because there was no XXXX degrees being offered at the time XXXX of Puerto Rico. So I decided to entrolled at XXXX XXXX ONLINE to start pursuing a career XXXX. I asked for several loans to pay for the courses I was enrolled in and transactions were made between the education institution and the financial lender XXXX XXXX to cover the expenses of the degree, which were pretty expensive. XXXX XXXX XXXX was charging me {$300.00} per credit and the concentration courses were even XXXX credits, each course lasted 9 weeks and I only lasted 2 years before finding out that a college in Puerto Rico, XXXX College, was offering the same degree, and I didnt had to pay a cent for the same education and even a better one. I was told that not even XXXX charges {$300.00} per credit. Now I have my degree but there is still no jobs XXXX, neither I have being able to start my own business due to the poverty level im under. I survive by doing a job here and there, by donations my parents give me and by welfare I got at the moment of enrolling in XXXX COLLEGE due to the benefits a student renter has for having such low income. 

I understand that there is a debt forgiveness XXXX practiced in the economic world. Similar to XXXX XXXX XXXX where every seven years debt must be forgiven. There had pass 8 years almost and yet, my debt has not been forgiven.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: NC

Complaint narrative:
Calls more than 6 times a day. I answered twice and let her know I was aware of what I owe. Please stop calling and then I hung up but they continue to call ( all day long XXXX to XXXX several times ).

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 2016-09-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
In annual credit report a Pro Com Services of Illinois appears in XXXX XXXX XXXX XXXX entries and representing XXXX XXXX. The entries are small ( - {$100.00} ). After contacting my healthcare providers there are no outstanding balances and zero balance due. In communicating with the XXXX XXXX, they have no knowledge of Pro Com of Illinois representing them in the collection of outstanding debt. 
In addition, I have received no communication of any kind from Pro Com. It appears these entries are invalid, fraudulent attempts to collect monies not due them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc.
State: TX

Complaint narrative:
I purschased a car from Carmax back in 2013 and have not even had the vehicle over 24 months and the transmissioon has been replaced twice by XXXX which carmax is contracted with and transmission was replaced again 3 months later and i 'm still having technical difficulties with the vehicle the transmission still signaling transmission hot idle engine, however I believe Carmax may have sold me a bad vehicle when i purschased the vehicle it had about XXXX miles and now well under XXXX again the vehicle should not have given me major problem in so little time, i believe i was leased a bad vehicle and would like a replacement car or refunded some of my money back for dealing with the issue and i do n't want to move forward with the same problem after it reached the maxium mileage and not covered under warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MINNESOTA LIFE INSURANCE CO., THE
State: IN

Complaint narrative:
I was helping a friend with an auto transmission repair at XXXX XXXX they approved my financing at Personal finance here in XXXX Indiana they did not repair the car correctly they filed for bankruptcy I was out over XXXX on the loan personal fince manager said he would make it right I was appaulled they took XXXX off as a write off and all my credit reports show I was XXXX payments late that is totally wrong only had a 12 month loan for this transaction this was very unfair on there part they have had many complaints against them over the years. Thank You 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 2016-09-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CarMax, Inc.
State: VA

Complaint narrative:
On XX/XX/2015 I went to the Car Max dealership looking to buy a car. I purchased a XXXX. The sticker price on the car was {$13000.00}. The interest rate was 8.95 %, which I felt was way too high. Also, the price of the car I feel was very high. Amount financed was {$16000.00}. Total of payments was {$21000.00}. Financed for 72 months at {$290.00} per month. Also, put {$500.00} down and purchased a warranty of {$1300.00}. I am a senior citizen with only {$1400.00} per month.

Company response to consumer: Closed with explanation