vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
After having been discharged 7 years ago for Bankruptcy chap 7 my loan servicer does n't want to report it to the credit reporting agency. I have asked to be reinstated in form of signing or writing a letter of reinstatement but they have not acted on it. This caused me to be denied for an FHA refinance. FHA requires that I have my mortgage loan reported to the credit bureau for my situation.

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 2017-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA

Complaint narrative:
I received a statement from " XXXX '' who bought the loan from " XXXX '', The company who originated the loan, stating that we had a shortage in our impound account in the amount of {$820.00}, and that the amount originally figured was incorrect and that our mortgage payments would now increase an additional {$100.00} a month to correct this mistake. I was very clear to the XXXX loan representative to insure that the impound account also included the " XXXX XXXX '' taxes and she assured me it was included. Well, it was n't as now we not only have to pay the shortage amount, but also have a higher monthly payment now. We 're both XXXX on a fixed income and when calling XXXX XXXX from XXXX, he wanted to pass the blame to escrow and the title company. XXXX originated the loan and are licensed to insure that the loan amount included all the required taxes and they failed to do this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Agency of Credit Control
State: CO

Complaint narrative:
I was called yesterday by the number ( XXXX ) XXXX debt collectors. They threatened to sue me, and garnish my wages if I do n't pay. This debt is in my maiden name. I never provided my husbands info. The brought up my husband and saying he had an income. I know I have a medical bill balance. I was very sick for a while and could n't work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 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: IQOR US INC
State: CA

Complaint narrative:
On XXXX XXXX I transferred responsibility of my XXXX account out of my name and paid all monthly / cancellation charges that were accrued as follows. 
On XXXX XXXX I paid sprint in the amount of XXXX and my total due balance at the moment was XXXX for the next payment due to phone cancelation. On XXXX XXXX I paid a total of {$320.00} in cash at a XXXX store to bring my balance to {$0.00}. At this point the account was closed and I have no longer done business with or used sprint services. 

After all this I received a letter postmarked XXXX XXXX, 2015 stating i was in collections for the amount of {$73.00} with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX/XXXX/XXXX First American http : XXXX This is a complaint about First American Title. I sold a home, Wednesday, XXXX XXXX, XXXX, there were XXXX escrow issues that required funds to be held. At this point all issues are resolved. First American is refusing to release the excess money held. 

My Realtor has attempted to resolve this several times to no avail. The total owed is above {$1500.00}. 

This has happened to many people, the amounts are usually a few hundred dollars, and hiring an attorney would cost more to resolve that the dollar amount in question. 

It has been seven months with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Error. XXXX XXXX ( Lender ) and Specialized Loan Service ( Servicer ) ( " SLS '' ) have erred by not evaluating my ( several ) loss mitigation application ( s ) in accordance with RESPA. In particular : a. Failure to evaluate a complete loss mitigation application. SLS has requested the same documentation several times, to which I have responded each time : SLS request XXXX XXXX ; SLS request XXXX reply XXXX ; SLS request XXXX reply XXXX ; SLS request XXXX reply XXXX, and SLS request XXXX reply XXXX. 

b. Failure to provide accurate information. SLS is requiring a signature and/or information from a party unnecessarily. 
XXXX SLS continues to require financial information for an owner of the property who is not personally liable to repay the note, has surrendered the property in XXXX per final bankruptcy discharge, has been living in another home since XXXX as evidenced by a signed lease agreement for a residence which has been provided to SLS, who is not contributing to the mortgage payments in any manner, who is noted in court orders since XXXX XXXX as residing at the leased residence, and has no intention of returning to the property. 
ii. SLS has dual tracked by filing a motion for relief in my bankruptcy case no. XXXX ( XXXX XXXX XXXX ) while complete loss mitigation application ( s ) are pending. 
iii. SLS has failed to acknowledge and failed to respond to my Requests for Information sent on XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX, XXXX case number XXXX from SLS Morgagae That I did not pay Ferbruary XXXX XXXX payment to XXXX Bank I did make a payment on XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I have been contacted by Monterey Collections claiming I owe a debt for annual maintenance fees for a timeshare unit in XXXX. I timely responded to their initial correspondence requesting proof of debt, including signed documentation proving I am personal liable to pay this debt. 

Such documents do not exist as I am not the original owner and never signed any. I bought this unit in the after market and at that time only assumed the then current year 's maintenance fees which were paid at the time of purchase. 

They have not supplied me as requested any documents showing a legal responsibility to pay this ongoing fees for some undetermined time and have been reporting to the credit bureaus a debt that I do not owe, thus negatively affecting my credit. 

I have disputed the debt twice with the credit bureaus and each time they have sent me as letter which is attached stating : " Please note that per the FDCPA, you had 30 days from the date you were notified by Monterey that your account had been placed with Monterey Collections, to request to dispute this debt. You were notified by Monterey Collections on XXXX/XXXX/2013 and were sent notifications at that time. You failed to request for verification within the necessary time frame. " I have responded to both of these letters that this claim is false and sent them proof in the form of a letter on their company letterhead that is dated within the 30 days of their original collection attempt letter acknowledging my receipt of my request for debt validation ( also please find attached ). Even though I did timely respond, they continue to hid behind this excuse and continue to falsely report this debt. 

This company has ignored my repeated threats to file a complaints which is why I have been forced to finally do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Bill for services provided by XXXX ; toal of XXXX, apid XXXX. Third party lender ( Monterey Financial Services ) financed a remaining balance of XXXX on bill. After 4 payments of XXXX ( total of XXXX ) paid so far, called for payoff amount and was told it was XXXX! Nearly 200 % profit on a 14 month loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
I XXXX XXXX am a professional XXXX woman who works XXXX full time jobs to protect her family. In 2014 I went through a divorce, and my former husband did not pay the mortgage for several months. I took over the mortgage, obtained a modification on my own, and have been current with my mortgage payments for the past two years. The mortgage servicer has maintained a continuous 180-day late payment status, which reflects on my credit rating and drives my credit scores down significantly. This practice is highly discriminatory and I will bring this matter to the XXXX in XXXX Pennsylvania if it is not corrected. The account should show as no ; late payments since the approved modification in 2014. I make my claim with the CFPB to take action on this highly illegal and discriminatory practice on credit reporting. All payment histories with each respective credit reporting agencies must show no late payments since the modification approval.

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 2016-04-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
I have requested several times validation and nothing has been received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 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: MA

Complaint narrative:
I called XXXX XXXX hospital, financial department and could not reach assistance to verify the correct number for medical data systems. I have reached out to them twice via email with no response. I want to pay a debt of it is truly mine but can not reach a person to help me research this 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 2016-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
In XXXX 2015, we switched our vehicle insurance to State Farm. I received a phone call from a gentlemen named XXXX a agent, Asking me if I wanted to save money on out auto loan and he could get us a lower rate interest and our auto payment would be lower. We made appointment and I went to speak to him at the branch that week. He quoted me some quotes and I decided to transfer my loan with them, to save money. He set up everything including auto pay, because he said that this would be the only way the bank would approve it, so he did. My first payment was until XXXX. I went back into the branch before XXXX to get a quote for my truck loan and he sold me. I switch over my loan with State Farm. He told me right there in from of everything was set up, including auto pay.Just like he did the car loan. Life went on and on XXXX XXXX, I called XXXX the agent to ask him if the car and insurance went through. He said yes, at the same time I asked him should i call you on XX/XX/XXXX to make sure you get the truck payment. He replied no because everything looked good and the other two payments had gone through. Life went on, I later received a letter for the truck loan, it had n't been paid. I called him, he said he would look into it and I called him everyday about 3 times a day for the next 5 days. He was n't there and finally, i spoke to him and ask him what happened, he said he fixed everything, I told him are you sure, I do n't want this to hit my credit report. He no it wont, just call them and make the payment. I went back to the branch on my day off and XXXX was no longer working there. I went ahead and explained my issue with XXXX. She told me XXXX no longer worked there for this mistakes and he was getting customers upset. She looked through my file and noticed he did n't fill out the paper work correctly and did n't set the auto pay as well. She went ahead and fixed the papers, set the auto payment and the back took my payments for XX/XX/XXXX and XX/XX/XXXX. I told her but what about my credit report? She replied NO it should be good and I will fill out this dispute letter and they should be able to take it off. Well it never happened and this unacceptable. I'am trying to close on a house and I cant because they have n't dropped this case on my report. I will living in the streets with my XXXX mother and father. I called and they give me the run around they cant do anything about it. They are responsible for this, for not setting up my account correctly and now am being punished for it. I need to get this removed from my credit report before, i loose everything, my home am trying to purchase and my home am renting. I'am really upset, I would n't be in this situation if XXXX and XXXX would of fixed it 2 months ago. XXXX admitted of getting the dispute document faxed to her, but it was never filled out and send back. They need to take responsibilty and correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I bought a coin from XXXX XXXX..I placed payment with my credit card company.. I did not receive product after reasonable time and placed a dispute with credit card company and payment to XXXX XXXX, XXXX TX. After extended time and communication with XXXX XXXX.. Received product. I called both credit card company and XXXX XXXX to release funds to XXXX XXXX. All XXXX had to do was contact my credit card company and funds would be released.. They failed to do that.. I contacted XXXX XXXX and they said they never ran into this problem and did n't know what to do ... Ha Ha ... I then contacted my credit card company and they cancelled the transaction. I then sent XXXX XXXX a check for the full amount. It was sent Priority Mail with delivery confirmation. It was delivered on XX/XX/XXXX ... As of this date they have not cashed the check ... .... But they did turn my name over to a collection agency Caine & Weiner ... That company wants payment threatening to send in a negative report to the credit bureau ... Along with that phone calls.to my home and cell .... I have attempted to pay XXXX and for whatever reason they will not cash my check.. I have no intention of paying to have the check cancelled and sending one to this supposed collection agency.. I just want them to cash my check and leave me alone.. FYI there are an outlandish amount of alerts for deceptive business practices filed against XXXX .... Not sending products paid for .... Saying products returned were nothing but empty envelopes .... Changing prices for products after purchase ... An interesting note is XXXX XXXX will not respond to communication attempts ... However they did send my name to a collection agency in less than 45 days from my initial purchase .... And without contacting me first .... A little quick on the trigger ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Nations Recovery Center
State: NC

Complaint narrative:
On XXXX/XXXX/XXXX my employer received a phone call from XXXX asking to speak with me. I was not working that day and when I did return to work they gave me the # and said the caller asked that I contact them right away. When I called I was told that they were attempting to collect a debt and that if I did not pay asap they would begin proceedings to have my wages garnished. They stated there was a judgement against me in the courts and that I would have to pay or make payment arrangements within 1-2 days. I told them I would need to call them back. They next called me directly on Friday, XXXX/XXXX/XXXX, and again asked me to make a payment. They offered a " settlement '' of a lower amount for which they claim I owed. I asked to have the offer sent to me in writing and provide 30 days, they told me I did not have 30 days but they did say they would email a copy of the judgement and put the offer in writing. I advised them my wife would call them back on Monday. They called me on Mon morning, XXXX/XXXX/XXXX to ask when I could make a payment. I told them my wife would call soon. My wife called XXXX XXXX Mon, XXXX/XXXX/XXXX to ask questions. They did not send me any details via email but they told her I did, they attempted to bully her into payments but she asked for the case #, etc. It turns out they were using a judgement in the name of XXXX XXXX XXXX XXXX and were attempting to collect more money than the judgement was for. They connected her and the courthouse which backfired on them as she learned she could make payments to the courthouse. She called my wife after the phone call and asked how she wanted to pay- my wife responded- to the courthouse. The woman told her she did not have time if we wanted to take the " offer '' my wife said put your offer in writing and provide 30 days and they refused. They still claim they emailed the details the previous Friday which was a lie. This companies name turned out to be Nations Recovery Center Inc in XXXX GA. The sad part of this scenario is that the original debt was related to a PREPAID credit card company- XXXX ( yes prepaid! ) that was paid down to a XXXX balance and was asked to close the account. They did not and continued to charge fees month after month until it reached an astounding amount ( over XXXX )!!

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 2015-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: IQOR US INC
State: OR

Complaint narrative:
I received a call from XXXX with a person claiming to be from Allied Interstate LLC. They asked for me by name and disclosed my SSN. They would not acknowledge why they were calling or what they were calling about. A quick search shows this may be trying to illegally collect a debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Mel S. Harris and Associates, LLC
State: NY

Complaint narrative:
My checking and savings at XXXX XXXX XXXX were put on hold. I went to my bank to inquire why. They gave me a phone # ( XXXX ) XXXX. I was told I have an outstanding debt with XXXX that had been sold to Mel S. Harris and Associates in NY. I was told they were sending letters to a home I have n't lived at for well over a decade. I was told they had a legal right to seize my money. I was told the debt was from XX/XX/XXXX. The original debt was from the mid XX/XX/XXXX. In XX/XX/XXXX I was repairing my credit score and settled this debt to the best of my recollection. I no longer have records this far back. I sent a letter to XXXX yesterday in an attempt to track the settlement. It is the beginning of the month. This is when most of my bills are due. I have checks out there. XXXX is to a court for an unrelated incident. If that check bounces because of this I will probably have a XXXX for my arrest. It is a violation and a {$25.00} check. It is very bad on so many levels. Untangling this mess is costing me money everyday I can not access my bank accounts and their former contents. In all likelihood this has set off a chain of events that could take years to untangle. I missed a potential job interview trying to resolve this. I just XXXX with a XXXX degree and am trying to embark on a new career. I am getting married and they took the savings that I 've scraped together working XXXX jobs, XXXX days a week while I was taking XXXX credit hours of collage classes. As I am typing this I am missing work. I work in the XXXX industry. I do not get paid sick days or time off. It also just looks bad as I had to tell my employers why I am missing days. I might lose shifts permanently because I 'm missing shifts. I am waiting to hear back from Mel S. Harris. I left a message and the representative also told me she 'd be calling me back today. So far no call. I 've tried to make contact at her office repeatedly today. I may have to keep trying tomorrow. I 've spent the last few days researching what i can to and trying to contact anyone to help. It 's eating up my work and school time. Time is money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: STATE FARM BANK, FSB
State: PA

Complaint narrative:
I negotiated a payout and cancelled my card on XX/XX/XXXX. The bank does not dispute this. However, they never shut off the card and when a recurring charge from a local store was processed later in XXXX and XXXX, the charges went through and now the bank wo n't remove them and say I am responsible for these charges. The card was cancelled on XX/XX/XXXX, anything after that should have never went through. I have called them over 10 times to resolve this. when they are n't sending me to different departments, they are refusing to take the charges off the cancelled card. Just as an aside. My husband also negotiated a settlement amount and payment for his credit card on the same phone call. His card was cancelled per his instructions. This is their mistake, not mine. Thank you for your help with this. Please direct all inquiries to my husband XXXX. He handles the finances and he was the person interacting with the bank.

Company response to consumer: Closed with explanation