vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-29 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I am writing with regard to my recently closed lease of my Honda XXXX ( XX/XX/2014 ) with Honda Financial Services. I was under the impression through my dealer that excess milaege would either be waived or reduced and rolled in to my payments upon return of my vehicle and leasing through Honda. 

This was not the case and I was hit with a bill to be paid up front with a courtesy reduction. I was going back and forth between Honda and my dealer regarding the fact that I wanted to roll it in, but I I was not permitted to so and I was financially unable to pay at the time. 
The matter has since been resolved, but I was hit with a late payment on my credit report which I feel should be cleared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: FL

Complaint narrative:
I have contacted this debt collected with no response about this debt that I know nothing about. I have asked them to remove debt still no response. This collection on all XXXX reports is effecting my life. Legally it should be removed because this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
XX/XX/XXXX Ocwen XXXX Department PXXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Re : Mortgage number XXXX This letter is to reiterate a challenge with the taxes on our property located at : XXXX, XXXX, New Jersey XXXX. 
We have XXXX lots of land with this property. When purchased in XXXX and since the inception of our mortgage, we have always had our taxes, insurance and premium combined in one payment. I realized a couple months ago that one of the properties taxes has not been paid for quite some time. We did contact the XXXX borough and Ocwen and we can not decipher where the problem began, what changed or more importantly how to rectify the problem. 
Seemingly, something happened ( not initiated by me or my husband ) where the taxes has not been paid or received by the city borough. Therefore, we feel it 's incumbent upon Ocwen and the XXXX to figure out what went wrong, when and resolve the matter. We have paid the mortgage amount given us with the all cost included and there is no way for us to figure it out. Since the XXXX and Ocwen have been exchanging funds, maybe you can find out when the amount changed and why. If there is something we can do to facilitate your research, we will be more than willing. This letter is being sent to all parties concerned, the FTC and CFPB. 
Please let 's all get together in some manner to figure this out without putting the full responsibility on my husband and myself. 
Respectfully yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My mortgage servicer, SLS, has put insurance on my property since they claim I did not have coverage. My agent sent them information at least 3 times and no one at the company looked at the information nor notified me that they needed proof of other coverage. I had the condo association coverage sent to them. They wanted my personal coverage. I have always had coverage but by the time they finally said I had sent them the wrong information they had already put expensive coverage on my loan and started an escrow account. They want to charge me over {$1000.00} for coverage which has cost me only about {$200.00}. I called about this and the woman on the other end hung up. I think they do this as a total rip off to the customer. I am sure they earn a big commission on this very expensive policy which really does n't have much coverage for them. The main condo building policy is the most important which was sent to them 3 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 explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Stanislaus Credit Control Service, Inc.
State: OK

Complaint narrative:
I was informed by my XXXX XXXX recruiter that I have an outstanding bill therefore, for days I have been trying to contact them to pay the debt so that I can clear my record and enter the military. I have called multiple time and left messages, i also sent a email.but have not received any reply, meanwhile I am unable to move forward toward entering into the military. See attachment..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Wakefeild and Associates is illegally charging interest on ER visits and claims that they have every right to do so. The refuse to make any settlement on the original debt and stated that the debt was not sold. The hospital specifically stated that the debt was sold and that no interest should be charged. 

I did offer to pay the full balance if the collection agency would send a letter stating they would report the balance as paid in full. They refused, stating that they will only send letters after the payment is collected. This is a bold faced lie. I talked with XXXX who refused to give a last name. 

I have been a debt collector for the last 7 years and know that the statements he made about interest, settlements and letters were all illegal and false

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANCO POPULAR DE PUERTO RICO

Complaint narrative:
On XXXX XXXX, 2015, I visited Banco Populars Loss Mitigation offices to apply for an alternative [ toforeclosure ], since I was unemployed and my mortgage loan is in arrears, and I want to keep my home. 
To this day, XXXX XXXX, 2015, I havent received any notification from the bank. I didnt receivenotification within five working days of filing the application, and now more than 30 days have gone by, and I havent been informed of any decision. I am including a complete timeline of my case. 
I hope you can help me, because I dont want to lose my home, and I want banks to learn to treat theircustomers well. 
Thank you in advance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I am livid of the way SLS has handle my loan, in order to prolong my case further more behind. I have summited a complete modification packet for review. However the account where I deposit my husbands contribution and the rental income I am collecting, is a savings account I open with XXXX. This bank can only provide me with a statememnt every six months. I have fax SLS my history of transactions showing the contribution and rental being collected. But SLS is refusing to use my Transaction history because they want an actual bank statments. I have provinded all that I can and now SLS is stating that all my documents need to be in before XX/XX/2016. If not my file will be close, I belive SLS is doing everything in their power to deny my loan once again for any assistance. I am in desperate need of assistance I am fighting to stay in my house.I have summited a letter from my bank XXXX explaning the reasons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
When signing up for a loan through XXXX I was told that I had one year to pay off a loan before the amount double. However, my account was transferred to Monterary Financial collection Services. I called Moneterey to settle the collection for the amount I was quoted {$1300.00}, however they said I owe double the initial price after only 3months. I would like to settle by dept before the 12month anniversary day comes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This is the test of the fax I sent to the company : I became aware yesterday that your company has reported my mortgage payment 30 days late on two occasions this year. I have never missed a payment and have access to bank statements to verify. This issue has impacted my credit negatively and I need you to correct theses negative credit entries immediately. I believe the problem that your company has considered non or late payments to be related to my impound account being re-evaluated and the payment increased as a result. I make all my payments automatically through my bank 's online bill pay feature. I suspect I missed the escrow payment increase notification but as soon as I became aware I increased my payment as well as sent additional funds to cover the amount that was behind. 
Your company has always accepted all of my payments including the extra {$220.00} to cover the impound escrow shortage. I have never failed to send a payment that included the full principal and interest due on my loan. 
Just to reiterate, this issue is extremely urgent as it is affecting my ability to secure financing today. I would really appreciate your response to me with a letter stating that the issue has been resolved and that the credit reporting agencies have been notified to remove the 30 day late notices from my credit reports.

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 2016-07-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
A Colorado company named Specialized Loan Servicing is managing my home loan. The calculations that they used for the escrow account are wrong. Being as such they want me to send in more money every month to cover their falsely calculated impound account. Every month. I have made my monthly payments every month. Today via a phone call I was informed that they will not apply my last payment because it was not paid in full. This will inevitably cause a " Notice of Default '' action to occur. 

In the past ( XX/XX/XXXX ), I had sent Specialized Loan Servicing documentation showing the correct information that is needed to calculate the proper property tax amount. I was informed that they did not receive that information. 

Can you assist me in helping Specialized Loan Servicing understand their errors and calculate the correct mortgage payment?

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 2015-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I applied and received {$50000.00} from the Hardest Hit Principal Reduction Program. The money was sent to my mortgage come in XXXX 2014. The applied {$48000.00} and took the difference and paid my XXXX payment and applied some to late fees. In late XXXX the funds were reversed and sat in a suspense account and no one was able to explain why it was reversed. It was then applied and reversed XXXX more times and each time money was taken away from the principal. To date only a little over {$44000.00} was applied toward the principal and I was told they took the remaining {$5000.00} or more dollars and paid my XXXX, XXXX and XXXX payment which I have been paying my monthly mortgage. In XXXX explanation they said they were given directives to do it this way then they said they never received any doucumentation as to what to do with the money and it is their perrogative to do what they want and I have no say so in the matter. It is the least to say that this has been fraustrating. So many agents have been dealing with this matter that it is now a total mess and what seemed to be a gift to help with my underwater mortgage has now been turned into a nightmare. I need hellp being directed to the right agency who can speak for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
We had a loan with XXXX aka XXXX and it was sold to specialized loan services. XXXX foreclosed on the property after 5 years. XXXX and Specialized Loan services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue.

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 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been a customer of Specialized Loan Servicing LLC ( SLS ) for the past ten years. My mortgage payment is due on the XXXX of each month. I typically pay it on the XXXX ; however, occasionally I must wait until the XXXX. The payment is not considered late until the XXXX, so this should not cause a problem. Unfortunately, each time I wait until the XXXX to pay, the company reports my payment as late. They have explained to me that their computer does not have the ability to recognize payments that come in on the day they are due. This is unbelievable and, if true, should be illegal.

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 2015-07-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I had XXXX and should have been covered. It was due to the hospitals mistake of marking me male, I contacted them as soon as I found the mistake but they said I would have to verify who I was with the XXXX provider. After talking with my XXXX provider, they assured me that there wouldnt be an issue. The hosital continued to say I owed them money and sent it to collections. I was and still am covered by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
Specialised Loan servicing does not allow you to speak or work wtih a single contact. Instead you have to call in and try to get someone on the phone that has no clue what is happening on your file. They wo n't transfer the account to your supposed single point of contact or asset manager stating it is their policy not to do so. If you call XXXX and enter the loan number and social you will NEVER get your contact on the phone. Instead they say to schedule a call back then no one calls back. After you submit all required documents they close the file out a few days later stating they did n't get them in time and you have to start over sighting this is the investors rules which is NOT TRUE 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 2016-01-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: KS

Complaint narrative:
My loan was sold to specialized loan services. We have had nothing but problems with them since. We were trying to modify our loan and were never told it was approved until after we missed theach first trial payment, which denied the modification. When trying to contact them our assigned agent would never return calls and everyone we talked to was extremely rude. Now we are at risk of losing our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA

Complaint narrative:
We purchased a new home in XXXX, XXXX on a contingency basis. Our current home in XXXX has not sold and therefore we can not go forward with the closing on the new home. On the XXXX of XXXX we received from the builder a Cancellation Notice, and were told that they sold our future home to someone else. We refused to sign the Cancellation Notice, due to the fact that the form was too vague and misleading, and asked the Builder to rephrase it, and/or delete the last sentence. They refused. The Notice states : by signing this Notice we 're giving up the property ( showing addrss. ). Then also states that signing this Notice of Cancellation does not provide Buyer the guarantee that the Seller will refund all Earnest Money Deposits. We 've contacted First American Title, Agent said to us that the form is too vague, and that normally the Notice should include and disclose the total amount to be refunded, ( the builder refuses to do that ). We then contacted a local Attorney in XXXX. He suggested that there was no need to delete the last paragraph, but just the word NOT would be sufficient. The form was then signed inside First American Title 's office and sent to the builder by the agent. We asked the agent if she could refund our deposit of {$17000.00}, she answered no, unless the builder ok 's it, she further said that she represents both, the Seller and the Buyer, but it seems that First American Title is very biased toward the builder. The Nevada XXXX XXXX XXXX even asked me if I asked First American Title for the refund, I answered yes, and was refused. First American Title also told us that the new home can not be sold, until we sign the Notice of Cancellation. This morning, I called the agent and asked her if the new home was sold and occupied, she refused to answer she said, since she can not discuss any Escrow matters with anyone. Can you please try to help us in recovering our deposit back?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
My vacation club account went into collection as I have had financial difficulty and have not been able to pay. I contacted my original creditor XXXX and they said they transferred/sold the account to Monterey Financial. 

Monterey Financial told me that I need to pay the full balance, OR that I would be sued, and lawyers will file claim for more legal action and my credit will be severely tarnished. 

I explained I do not have the ability to pay, and XXXX said I was stalling and lying. He stated several times that I am in breech of contract and that I need to pay the full balance, and there were no other options. I asked XXXX if he had the contract, and he said he did not. How can you collect on something stating I am in breech of contract when he does not even have the contract? 

He said he will mark my file as " Refused to Pay '' and continue with the legal process unless I have payment to him by end of this month XXXX/XXXX/16. This is the first time I spoke to him on XXXX/XXXX/16! 
I do not have the full balance, can not even get credit and I said I could n't afford that. XXXX said the only option is to pay the full balance. How is this not predatory? I am getting charged fees, high interest and more fees and then I have to pay the FULL balance? I have not received any letter from the collection agency, detailing any information either. 

What is not even clear to me is if I pay the full balance, do I even get my vacation club status active? It seems they are closing my account fraudulently, as I owe a significant amount less than what the value is on my vacation property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
XXXX has 2 company 's attempting to collect a debt and both are only sending itemized charges and ALL OF PRIVATE INFORMATION THAT WAS COMPLETED ON THE ALLEGED VISIT AND BOTH ARE REPORTING ON MY CREDIT AND ATTEMPTING TO COLLECT THE 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