vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I divorced in 2010 and by XXXX 2010 a judge decided that my ex-husband pay the mortgage. XXXX I lowered my punctuation in the credit for the delay that occurred since my ex-husband began paying the mortgage. They can verify that XXXX XXXX XXXX XXXX did perform those payments in arrears have even had to go bankrupt. I make all my payments on time I have no fault that a judge has authorized PR my ex-husband to pay the mortgage. I send you attached evidence of the judge 's order

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 2015-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX sold my mortgage to Specialized Loan Servicing effective XX/XX/XXXX. All the terms of the loan were to remain the same including escrow and insurance and tax payments. I just found out XX/XX/XXXX that they have been collecting the escrow and not making any insurance and tax payments which have become delinquent and incurring penalties. I contacted SLS about this and getting a refund of my escrow in order to pay my delinquent taxes and insurance premium and I can not seem to get a straight answer or my money, they do not return calls and their practices are fraudulent. The web is littered with all sorts of complaints and lawsuits against this company and they need to be investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
My mortgage account was transferred from XXXX XXXX XXXX XXXX to SLS in XXXX XXXX. I made the XXXX payment to XXXX and the XXXX payment to SLS. The statement I received from SLS showed a mortgage payment amount that was higher than the XXXX payment. Upon contacting SLS they informed me that part of the payment was escrow of taxes and insurance and part of it was 'fees ' SLS paid to XXXX on my behalf. However, they did not know what the fees were for. I informed them that I pay my own taxes and insurance so there should be no escrow fees. I also advised them that I needed to understand what the other fees were for. They said they did not know what the fees were for. My initial call to them regarding this issue was in XXXX of XXXX. As of today, XXXX XXXX, XXXX, SLS is aware that I do not escrow and they still contend that they do n't know what the other fees are for although they expect me to pay them. They have all the correct documentation that the tax and insurance payments are current. However, they have not adjusted the statement nor have they applied the XXXX payment to the mortgage. They have applied the XXXX payment to the mysterious 'fees '. This company 's practices are predatory in nature and their license to act as a loan servicing company should be revoked immediately. The only recourse I have to avoid a late payment on my credit report is to pay the additional fees they are extorting from me. I had NO idea they had not applied the XXXX payment until I reached out to them on Friday, XXXX XXXX, XXXX. At NO point have they tried to contact me regarding a late payment. I also contacted XXXX regarding the issue. XXXX was very clear that they NEVER communicated to SLS that there was an escrow balance. This further convinces me that SLS decided to add escrow fees to my account in an effort to extort other fees, e.g. late fees, on my account that I would be forced to pay. Stop these criminals NOW.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I complained to CFPB and suffered retaliation for doing so. Specialize Loan Servicing SLS claimed to help me but instead caused more grief. When I call them and enter my loan number it would just hang up on me. The clocks ticking and it appears I have no case manager. SLS was purchased by an XXXX parent company -- I guess they are outside of XXXX regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I never received a notice of right to dispute this collection account I am not sure what this is for. I have sent a letter to the company disputing the collection account found on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Plus Inc
State: NY

Complaint narrative:
There is a bill owing to XXXX that i do not know about. I am trying to dispute the issue, and i am not getting anywhere with the company. I was told that they would send me paper work to be filled out, and it 's over XXXX weeks and i have not received it. I would like to do business and i can not do anything because of something that i do n't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
on XXXX XXXX 2015 I found out that MEDICAL DATA SYSTEMS was reporting negative information on my Credit Report and on XXXX XXXX I sent a letter toMEDICAL DATA SYSTEMSDBA/ MEDICAL REVENUE SERVICEXXXX XXXX XXXX XXXX , FL XXXXDisputing this information Informing them that this account was being Disputed under USC 1692g Sec. 809 ( b ) they received my first Letter on XXXX XXXX 2015 ( usps.com - Tracking Number : XXXX ) I Received a Response Letter dated XX/XX/2015in this letter they claim they can not locate the account with the information that I provided in my first letter which is the same information they are reporting to the credit bureaus. 
I sent them a second letter on XXXX XXXX 2015 which they received on XXXX XXXX 2015 ( usps.com : Tracking Number : XXXX ) informing them that they were in violation of USC 1692g it has now been more than 30 days which federal law requires for a collection agency to validate an account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
Submitted settlement offer letters paying GLA Collections the full balance of my collection accounts totaling up to {$380.00} on XXXX. Received a call today stating that they would not accept the payments due to not being the full amount, although those were the total balances reporting to my credit report. Followed up with a supervisor who then told me the actual amount has increased to XXXX dollars in full. He also told me submitting a total of {$620.00} would settle the accounts although he just stated they do not take settlements. My credit report that was pulled on XXXX/2016 is reporting separate balances of {$150.00}, {$110.00}, {$56.00}, and {$56.00}. In the settlement offer letter submitted i stated if they do not accept the payment to submit the money orders/payments directly to me which they have not done. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: JP RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
I have already filed one case against them ( XXXX ) to which they responded and said it is n't them. I have video recordings of the voice call to show their number. They have since changed their number and are calling and harassing me at work again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-10-28 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
An outstanding balance owed to XXXX was transferred to Caine & Weiner. I received communication in form of a letter on XXXX XXXX, 2016 of this debt. I immediately contacted the firm and let them know that I had ever intention of paying the debt but that at the time I was also unemployed ; however I would make payments until the balance was paid in full. I spoke to a person named XXXX, XXXX and let them know that I did not want this going on my credit so I wanted to set up a payment plan to avoid further action. I paid {$25.00} each month to avoid it going on my credit. I received a call about a week ago and the person from Caine Warner said they were calling to see if I wanted to pay the debt in full since my balance was down to {$190.00}. I told the lady that I was unemployed but that I would be making a payment in XXXX since I was paying {$25.00} each month. She was friendly and said " ok '', she was just following up. I check my credit report almost weekly and was surprised to find that the firm has reported this unpaid debt to a credit bureau after they told me that as long as I made payments, it would not go to a credit collection. I immediately called again today to XXXX and spoke to a man. He now informs me that even though I called and told them the debt was mine and even though I am paying each month, the debt has to be reported to the credit bureaus after 60 days, regardless of whether or not I am paying it. This does not make sense? None of the other reps ever told me this? We agreed that if I paid it would keep the outstanding bill from going into collections. Now someone else is telling me something else? I want this account to be taken off my credit immediately. I made arrangements with this firm to fully pay down my outstanding debt, they led me to believe that as long as I paid they would not turn it over to a credit bureau and now it is on my credit. I feel they misled me and did not provide me accurate information. The man I spoke with today is now telling me that the other people I 've spoken with were " pretty new '' and probably did n't relay the information correctly to me. Well guess what? That is no excuse! If their employees are not properly trained then they should not be working there giving out wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: UT

Complaint narrative:
I went into a XXXX dealership and was told I would receive a rate of .9 %. We agreed to a price and vehicle with the specific options I wanted. I explained that my trade in was n't running ( alternator died XXXX, and I would have to go charge the battery for the trip to the dealership. I came back the next day with my trade in and was pushed off to another salesman who said that they could not honor the price or the rate that we agreed to yesterday. I had driven my trade down there already and it was n't going anywhere. I was unable to do anything but take the new terms they offered. I then met with the man responsible for the contract and I noticed that one of the options that I had requested did not appear on the contract XXXX cross bars ) and specifically asked him about that. He said that they were included with the roof rails that were on the contract. I to possession of the vehicle and made the appointment at the dealership to have the options installed that we had agreed on. After having the options installed they indicated that the cross bars were not included. I questioned the man that wrote up the contract for us and of whom I had asked about the cross bars before and he claims he never said the cross bars were included. At this dealership every person that I spoke with deceived us and then passed us on to someone else. All of these sales and finance staff acting as agents for Honda XXXX Finance appeared to have a routine pattern of deception and shifting responsibility. I am now paying more than I originally agreed for both the loan rate and options on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Mel S. Harris and Associates, LLC
State: NY

Complaint narrative:
Mel S. Harris & assoc. used deceptive collection practices while attempting to collect on a purchased debt. Once initial contact had been made and a discussion on solutions to resolve the debt, the attorney office sent out a summons for an appearance in court. The representative had advised us that " we should not worry because we will receive several of these notifications. '' However, there was a case filed in the city court and required an immediate response to avoid a default judgment. This summons was used as a collection tool while in mutual good faith discussion on how to repay the debt. The representatives refused to discuss reasonable payment arrangements and told us to deal with the courts. When I inquired as to why a summons was sent out while we were talking to their agency in good faith I was hung up on. After calling back XXXX times I was finally connected to a supervisor who again tried to tell me not to worry about the summons. As I inquired further as to the reason of the summons I was hung up on again. I was hung up on a total of XXXX times while asking to speak to a manager or an attorney within their office. This debt is over XXXX years old and was supposedly incurred by my mother in law who is on a fixed income and under the care of XXXX. Every time I had requested documentation or verification of the debt I was told to deal with it in court -- even though I was assured prior, that nothing had been sent or filed with the court! I am an advocate for my mother in law while dealing with what I consider to be an unprofessional and unscrupulous debt collector. The summons was sent just to solidify their subtle threats of garnishment, liens, or any other means at their disposal. My concern is that this would appear to be a regular occurrence with this agency. Once the attorney office makes contact with a consumer they issue a summons to scare the debtor. My mother in law was served on XXXX/XXXX/15 ; we had started discussing the debt on XXXX/XXXX/15 which means they ordered it while we were discussing in good faith our options on the debt. Mel S. Harris & assoc is using the power and intimidation of the summons and the court system as a scare tactic and collection tool to coerce and discriminate against consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to Chase Bank on XXXX, CA XXXX on XX/XX/2017 to apply for a chase sapphire reserve credit card. I was approved and received the card about a week later. I had been using it regularly and when I tried to use the credit card again yesterday it was declined. I thought this was just a random one off issue and tried using it again the next day and got declined again. I called into customer service and was told that my account was closed, I went through fraud verification who told me they could n't tell me the reason and transferred me back to customer service who told me again I could n't be told anything and would have to wait to get something in the mail. Finally after speaking with a supervisor they advised that my credit card had been closed because they were unable to verify the fraud alert on the file. When I applied in person I gave all of my information and the underwriter on the phone asked the personal banker to speak with me and asked me questions to clear my fraud alert including my name, address, social, trade lines, date of birth, and other information. I had 1 missed call from Chase on Monday at XXXX my time and was at work and could n't answer, this apparently was them trying to clear the alert again. Now I am being told that my account can not be reopened at all because of this fraud alert. I put this on my credit to protect against identity theft. Nobody that I speak with is willing to help me and I was told that talking on the phone is not going to accomplish anything and there is nothing anybody can do. What kind of customer service is this on an issue that Chase messed up on? I already verified my information and even went IN PERSON to ensure I could provide all the necessary information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: IQOR US INC
State: TX

Complaint narrative:
I originally receive a letter of pending wage garnishment from XXXX, providing instructions on how to request a hearing and submit information on how a garnishment of XXXX % would cause a financial hardship. I sent a letter stating my financial case and requesting a hearing/review within the allotted time. No contact from the company. The next communication I received was from my employer with a copy of an order of wage garnishment from another company called Allied Interstate LLC. I was never given the hearing or review that I requested.

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 2015-11-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC
State: MI

Complaint narrative:
I have XXXX parent plus loans to pay off. This company has added XXXX additional fees to each loan totaling {$13000.00} Extra they are collecting on the plus loans and the fees go up each month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I made an ebay purchase on XXXX XXXX 2015 through paypal to the XXXX for {$370.00}. Paypal billed my paypal account associated with ebay AND my paypal credit card account. Discussions with paypal go something like this, they say to call paypal if I call the credit card section and vice versa. I suspect this is the tip of the iceberg and I am not the only one being cheated our of my money. I felt when I talked to the XXXX arms of paypal the system was rigged to never refund anyone any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: CA

Complaint narrative:
My wife and I used to live in XXXX and we had XXXX cable for internet and TV services. Before we left XXXX back in XXXX 2014, we paid all the bills to include XXXX, utilities, and electricity because the house was being rented we dont want to leave any outstanding for the new tenant. Last week, we received a collection letter from CBHV ( Collection Bureau of the Hudson Valley, Inc ) Tel : ( XXXX ) XXXX or XXXX. Threating us to recover the fund. We talked we XXXX and they confirmed that we paid all our bills and had refund in our account in XXXX ( Ticket Ref : XXXX ). The collection company wo n't stop harrassing us until we paid the money to them when we tried to tell them that they need to get with XXXX because we did not owe any money to XXXX for previous srvices in XXXX. We want them to stop harrassing us and talking to XXXX to update the case which should have never gone into collection since we paid all our debts to XXXX before we moved out XXXX to live in XXXX on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Auto lease matured in XXXX XXXX and I extended for 6 months. Since the inception of the auto lease, I had automatic deductions made by Acura Financing with no problems. In XXXX XXXX, I extended the lease for another 6 months. In XXXX XXXX, I noticed that Acura Financing did not take out the payment for XXXX XXXX, XXXX and I contacted them on XXXX XXXX, XXXX and they told me I had to sign an extension form and fax and auto payment would resume, which I did. I manually paid XXXX payment on XXXX XXXX, XXXX. Yesterday, I received a call from Acura Financing that XXXX and XXXX payments were not made. I went onto my bank site and determined that was correct, payment was not made. I asked XXXX XXXX why they did not resume auto payments after my discussion on XXXX XXXX, XXXX. The representative from Acura Financing could not explain and read the notes from my previous conversations with Acura Financing ( when I was less then 30 days delinquent ) and could not explain why payments did not resume, especially since this issue did not occur on my first extension AND I called Acura Financing to rectify the issue in XXXX XXXX ( which was not done ). Acura Financing has my email address and I 'm not certain why they did n't email me immediately when the payment was not made. Having auto payments for 4 years stop with no notification from Acura AND for Acura not to notify me of an issue is not acceptable. I have checked my credit reports and they all show that I paid 48 months without incident and that effective XXXX XXXX my account is greater than 30 days past due. The non-payment is due to Acura 's error AND having my email address, I would expect when I am one day late, that I receive an email from them. 
Please also note that I have not had use of my car because of the XXXX airbag recall and Acura supplied me with a stripped down Jeep Patriot rental in lieu of my Acura RDX - so that is further insult to injury. I 'm leasing an Acura RDX, but driving a Jeep Patriot. Something is not right here.

Company response to consumer: Closed with non-monetary relief