vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-28 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 third complaint I have filed with you about this company, SLS L.L.C., or Special Loan Services, LLC. This company has so many complaints on the Consumer Services site and all are similar to the complaints I have had with them, including procrastinating on responding to customer complaints which puts extra late fees in SLS 's pockets, not reading correspondence and instead sending it back which also increases time and hence late fees, ignoring customer requests, ignoring California XXXX Laws, and it goes on and on. I have sent certified letters to the CEO and a vice president over two weeks ago and have received no action from the management or from the other people in the company. I have a mortgage, which I received due to a foreclosure and I paid over {$18000.00} wired in via XXXX XXXX to pay the arrears, which the XXXX original mortgage holders, XXXX and XXXX XXXX, accumulated because when they found out I was foreclosing on them, they stopped paying the mortgage to SLS. I contacted SLS and asked, after I faxed them my new trust deed to verify on the property at XXXX XXXX XXXX, XXXX, Ca. XXXX, XXXX XXXX no. XXXX many weeks ago. I also faxed the XXXX XXXX code that supports this action-and they still refuse to put my name or release to me any information on the loan. HOW CAN I PAY THE MORTGAGE ON XXXX, 2015 IF I DO N'T KNOW HOW MUCH IS DUE?? I also had my insurance co. fax info on my new insurance and SLS refuses to acknowledge it because they continue to tack on the cost of their insurance which is expensive. This company is totally money driven, without concern to their customers. Read the complaints filed against them-they all support this. 
All the supporting documentation is included in this email. I feel like no one is listening. 
Please get back to me asap so I can take over the mortgage on this property, handle it responsibly and take care of this business acquistion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PLAZA HOME MORTGAGE, INC.
State: HI

Complaint narrative:
According to XXXX XXXX XXXX XXXX ( " XXXX '' ) selling guide under " XXXX Registration '', it reads " If a lender registers a mortgage with XXXX after XXXX has purchased or securitized the loan, the lender must name XXXX as the investor during registration and notify XXXX of XXXX ownership interest in the mortgage. ( The MIN will not have been included on the Loan Schedule or Schedule of Mortgages. ) '' Go to Exhibits " A '' and " B ''. 
This is exactly what Plaza Home Mortgage, Incorporated ( " Plaza '' ) did when it registered the mortgage with XXXX in 2006 after XXXX already purchased or securitized the loan. 
Go to Exhibit " C ''. 
Yet Plaza 's employees, counsel, and attorneys have the audacity to insist that Plaza sold this same mortgaged loan to XXXX XXXX XXXX even after XXXX had already purchased or securitized the same loan when Plaza registered the mortgage with XXXX in 2006. 
But Plaza does not stop there. Plaza continues to insist that " The Plaza Mortgage and associated mortgage note was sold and record notice of the transfer is documented by that certain Assignment of Mortgage recorded in the Bureau of Conveyances of the State of Hawai'i as Document Number XXXX '' ; and that " Plaza 's Mortgage, which is secured by the Property, was transferred to XXXX XXXX XXXX, XXXX XXXX. '' ( " XXXX '' ). 
Go to Exhibit " D ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANCO POPULAR DE PUERTO RICO
State: VI

Complaint narrative:
My XXXX debit card was mistakenly given to somebody else at a restaurant. My card was used by that somebody else to purchase {$75.00} worth of shipping at the post office. My bank did not inform me that there would be a {$50.00} surcharge added to my account for their " services ''. The investigation took two months and in the end only {$25.00} was rebated back to my account. Does n't the bank have the obligation to inform me of this {$50.00} surcharge that they claim is federally mandated? I would n't have wasted my time filing different claims and having the headache that I did, had I known they would be charging me {$50.00} to get back my own money ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I have XXXX mortgages with Specialized Lender and I never received my XX/XX/XXXX mortgage statement which is what triggers me to pay them. I opened my XX/XX/XXXX statement on XX/XX/XXXX and realized I never psi for XX/XX/XXXX. I immediately paid for both houses and the late fee for XX/XX/XXXX and they received payment XX/XX/XXXX. I thought I was all set until today when I was declined for credit for a new phone. When I called I found out I went from a near perfect credit score to default. I immediately called the mortgage company and they told me I could fax a letter but usually they never reverse the notification they send to the credit reporting bureau. SLS also do n't thing they needed to contact me before they notified the credit reporting bureau. I have never been late before and had a great credit rating and they ruined it and do n't seem to care to help me clear it up. I did send them a faxed email since that is all I could get to deal with my issue and they told me they would let me know what they will do in 30 days. So they ruined my credit and I ca n't do anything tip I hear from them. 

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 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: FIRST ADVANTAGE CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, I requested a Full File Disclosure report from First Advantage Consumer Center and their parent company/partnership Lexis Nexus. The First Advantage background reports I receive contained inaccurate information more specifically criminal records that did not belong to me and was disputed as inaccurate back in XXXX. 
I immediately contacted First Advantage to dispute the inaccurate information and was told I could not dispute because an employer did not order a background check. I explained to First Advantage the consumer has the right under the FCRA to order copy of any files you contain within your database and the right to dispute inaccurate information. To date First Advantage has refused to removed the inaccurate criminal record and address associated with my name. I do not have or use any alias my name is not XXXX XXXX XXXX and the courts records do not show my social security number or address associated with said criminal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XXXX, XXXX XXXX, 2015, I was reviewing my Suntrust checking account online and noticed a pending XXXX charge in the amount of {$560.00}. I immediately contacted the Suntrust Fraud Department to dispute the charge. On XXXX, XXXX XXXX, 2015, I went into a branch and completed paperwork to stop payment on the charge. The paperwork was processed and the {$36.00} stop-payment fee was drafted from my account. The {$560.00} charge was still in pending status therefore the funds had not been issued to XXXX. However, Suntrust allowed XXXX to draft the funds from my account. I submitted the required form to the Fraud department disputing the charge on XXXX XXXX, 2015, which I can fax to you if needed. Days later, I received the attached letter advising me the charges were valid. I asked Suntrust to provide me with the documentation they used to make their determination on XXXX separate occasions. They have not provided it. I do not have an account with XXXX nor have I had a contract with them. I want the {$560.00} returned to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: American Revenue Management, Inc.
State: TX

Complaint narrative:
I have contacted American Revenue Management on 5 separate occasions about an unknown entry they have placed on my credit. 
I find it immensely frustrating that they will not acknowledge my complaint/dispute however they continue to discuss the matter with the credit bureaus and have advised them that the account belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
I have been sending on time payments to SLS monthly since XXXX 2014. I have an issue with their record keeping as they still show that my next payment due isstill owed. I have paid {$2000.00} per month up until last month and rather than applying thefunds, just suspend the additional money. I have had to call them everymonth to request that they apply the funds to the principle. It is extremely difficult to follow their record keeping to the point that I am not sure that my balance isactually correct. Is there any way I can request an audit? I am veryfrustrated with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Central Credit, Inc.
State: CO

Complaint narrative:
I received a letter collecting debt from a time share that I own. The original amount was XXXX. I called the Continental central credit, Inc to discuss and understand the debt. Through the years of owning this time share we have always sent money to XXXX resorts and then it was XXXX resorts. I have never received a bill from XXXX the time share organization. After doing some research and several phone calls with XXXX XXXX an employee with Continental Central credit, I agreed to pay the XXXX with XXXX payments a month. He refused to take any money saying that now the bill was XXXX. I told him that i never received a letter asking for this amount and that we never discussed this amount. He still refused to take any money and threatened to report the debt to damage my credit score. Our conversation about payment was discussed on XXXX XXXX, 2016 and by Saturday afternoon XXXX XXXX, I did receive a letter asking for the NEW amount of XXXX. This amount was never discussed and I am really not sure how XXXX XXXX and Continental Central Credit came up with the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
funds I put in checking account is not adding up. I invested money in cd 's and money market account and some disappeared, also never received a quarterly statements about my accounts in two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
HSA Bank, who my current employer uses to manage employee health savings accounts, contacted me about a contribution that had been made to a closed HSA account in my name. Upon speaking with an HSA Bank employee, XXXX XXXX, I was informed that my previous employer, XXXX XXXX XXXX XXXX XXXX - who I had not worked for in almost a year and a half - had made an HSA contribution on my behalf. 

I informed her that I was no longer employed by that entity and that any funds contributed by them should be returned. I was provided a form to assist with this. XXXX XXXX provided the date and amount of the contribution as I did not have access to the closed account. At the time, it did not occur to me that the amount XXXX XXXX provided was the same contribution amount as is presently being made by my current employer, XXXX. 

This did not become apparent until I was notified that HSA Bank had closed my health savings account on or about XXXX XXXX, 2016. After determining that HSA Bank had inexplicably attributed contributions from my current employer as being made by my past employer, the account was re-opened on XXXX XXXX, 2016. 

During the time the account was closed, XXXX separate pay periods elapsed, and contributions were deducted from XXXX different paychecks and made towards my HSA account even though no HSA account was open in my name. Eventually, HSA Bank populated my account with funds sufficient to cover XXXX of those XXXX contributions, but they have refused to answer any requests I have made regarding the missing contribution. 

On XXXX XXXX, 2016 XXXX XXXX with HSA Bank, with whom this matter has been previously discussed, was provided with a detailed email reviewing the circumstances and requesting information as to where the missing contribution was deposited or refunded to, but to date, she has provided no response. 

HSA Bank has not provided an accounting of the missing funds, and has failed to explain why the funds where incorrectly identified as having been made by a previous employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: DC

Complaint narrative:
My mortgage was sold twice apparently, in quick succession, around XXXX XXXX. I received mail from XXXX different companies that they both now had my loan, and when I called the XXXX company, XXXX, it appeared I was not in its records, then I received a lot of mail from Fay Servicing. Fay was not up-to-date with its records in XX/XX/XXXX, so I mailed check # 1 on XXXX XXXX, XXXX to cover XX/XX/XXXX and XXXX XXXX ( {$840.00} ). Fay processed my XXXX XXXX payment by XXXX XXXX, XXXX, check # 2 ( {$420.00} + {$30000.00} additional principal ). I have a picture of the check/slip before I mailed it. My XX/XX/XXXX Fay interest/tax record came in the mail and it appeared correct ( it seemed like 3 months of interest ). I paid by phone on XXXX XXXX, XXXX ( # XXXX, # 3 payment ever to Fay ) and the recording was not giving me an accurate due date for the payment. I looked on the back of the monthly statement mailed to me and it stated a {$25000.00} principal reduction and {$5400.00} payment applied. That would mean I would have over 12 months of payments PAID IN FULL and this does not match with the XX/XX/XXXX due date that Fay keeps mailing me. This makes zero sense and does not appear to match the payment breakdown on the front of the XX/XX/XXXX monthly statement, {$29000.00} plus {$710.00} interest. All the monthly statements dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all said payment due XX/XX/XXXX. XXXX, the incompetent account manager assigned to this loan, was giving me different numbers that were in the Fay system that did not match the monthly statements numbers when I spoke to him. This was during the week ending XX/XX/XXXX. I asked for the numbers that were in the system to be mailed to me ; he refuses to call me and deal with this. He said that he would have to do the next phone payment so that it is applied correctly but he never called me so that I could make a payment. I called Fay again before I submitted my XXXX taxes XX/XX/XXXX, week ending XX/XX/XXXX, and I got another rep who said he would discuss this case with XXXX and someone would get back to me. XXXX called me at work on XX/XX/XXXX at XXXX EST, hung up, then I hit redial and got his voicemail. I left him a message but have not heard from him. I called on XX/XX/XXXX and got a rep who I asked to be transferred to XXXX 's supervisor, XXXX, and I left a voice mail. I have received a bill dated XX/XX/XXXX that I owe a {$21.00} late charge for XX/XX/XXXX and I received the latest monthly statement with a XX/XX/XXXX due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MCCUE MORTGAGE COMPANY, THE
State: CT

Complaint narrative:
I have always paid my mortgage two weeks early, I have been receiving letters monthly going back to XXXX? Stating that I was late. Obviously this was a major concern for myself. I called, talked about the issue, and was told it was resolved ( They received it early, suggested I pay it later in the month to fix the issue - it was applied as a principal only payment ). I started mailing my payments on the XXXX instead of the XXXX. This has happened every month since then and no one seems to be able to resolve the issue for me. I keep getting " My manager is n't available - they 'll call you back '' " I 'll call you before the end of the day '' " I 'll send you an email today no matter what to give you a status update ''. The issue right now is that I 'm " late '' on paying the late fee from paying early ; the same late fee I 've been told has been taken care of on multiple occasions. I also requested a corrected XXXX that showed my proper interest paid as the value on my XXXX is incorrect for 2015. 

At this point I do n't trust any of their accounting for my mortgage ; and no one is getting back to me or resolving my issue. I have spoken with McCue Mortgage on XXXX occasions at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: First Direct Lending, LLC
State: TN

Complaint narrative:
I keep receiving notices for reducing my mortgage from multiple companies that have apparent information regarding my credit and mortgage loan amount. Several of the fliers have " last notice '' on them. First direct lender sent one with a number to call to Opt out of these notices, when I called the number they wanted my social security number and it was a mortgage company. The number they listed was XXXX, if this was an opt out number why would it be a mortgage company?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I am having a problem with my bank returning funds which were released to the wrong party. I made payments and they were not received by the intended party yet released and not credited back to me when this was brought to the attention of the bank. I furnished all the detail requested of me to the bank. I have yet to have anyone at the bank reach out to let me know what the status of this investigation is. I have e-mailed at least XXXX times, and telephoned repeatedly to only be told this is going to take more time. The first date the bank made a formal notation was XXXX XXXX, 2015. I had been inquiring about my money prior to this and finally the put my case with their dispute dept. After that I was required to provide check # s, copies, and amounts. From XXXX, 2015 until today I have no idea where this case is or what happened to my money or when I will have it returned to me. I could understand some time but I seems that nothing is being done at all. What ever happened to bank security. I really appreciate any help I can get in a resolution to this problem. 
Thank XXXXOscar XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optio Solutions, LLC
State: MO

Complaint narrative:
I continue to get calls from a supposed Debt Collection Agency. They never say upon calling who they are, or why they are calling. They wait until they are sure you are not going to hang up and before you verify anything with them they ask you to verify your personal information. They will not identify themselves or who/where they are calling from. Several attempts to find out WHY they are calling have failed as they will not state why or who they are without verification of your personal information first. I 've been given XXXX different names of the company, XXXX of which is Qualia Collection Services. I 've told them the person they are trying to reach is not at my phone number multiple times and have asked them to please remove my number from their list every time they have called. This has been going on for months now and they still continue to contact me, and when I answer, it is the same situation every, single, time. The only reply they will typically give as to why they are calling is for " business ''. It takes a XXXX questions just to get them to say what company they are calling with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have full coverage insurance with XXXX XXXX XXXX of Texas and they have agreements with hospitals and the doctors that the hospitals contract with. I do not have any deductible that I need to pay, but XXXX XXXX XXXX has turned over a bill in the amount of {$27.00} to a collection agency I guess in spite, due to their irritation that XXXX XXXX had adjusted their bill in the amount that they had contractually agreed to do work for with them. They feel that their last and only way to get back at some one is to hurt my credit by putting it into collections against me for such a measly amount with CREDIT SYSTEMS INTERNATIONAL instead of just abiding by their agreements.

Company response to consumer: Closed with explanation