vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Merchants Adjustment Service, Inc.
State: FL

Complaint narrative:
MAS telephoned a neighbor of mine regarding an old medical debt that my daughter has. It is not even my debt. I believe this is completely illegal. The representative from MAS was a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ARS National Services, Inc.
State: NY

Complaint narrative:
ARS national Services keep bothering about a Bankruptcy. They have to know that U.S.Bankruptcy Court XXXX District of New York closed this case # XXXX.By law I do n't owe any money. 
Now I 'm trying to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: WY

Complaint narrative:
My mortgage was transferred from XXXX to M and T Bank effectiveXX/XX/XXXX XXXX. M and T bank charged us a XXXX fee with our XXXX payment to them. 
They claimed it was from XXXX bank, but we did not have a balance with XXXX. 
Our account was up to date. I called them and they refused to remove the charge. 
account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
I am being contacted by Northstar XXXX XXXX, XXXX, New York, for information about someone else. 
I told them I have no information for them. 
I asked them not to call me. 
I keep getting calls on my cell phone while I am at work. 
I have no idea how they found my information because I am not a co-signer or co-debtor. 
I do not want them to call me again.

Company response to consumer: Closed
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SANTANDER BANCORP
State: PR

Complaint narrative:
I had a credit card with Banco Santander XXXX XXXX which I did n't use for many years, so the balance was XXXX. They collect an annual charge of {$45.00} and maybe that 's ok. but suddenly they started to charge late fees and other fees up to {$90.00} I tried to negotiate with them opening a claim but they declined turn down and charge off the account for just {$90.00}. Practices like that are really abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC
State: AZ

Complaint narrative:
Northstar Location Services , LLC, a part of The Northstar Companies, has telephoned my home looking for someone named XXXX XXXX # XXXX. I am not that person, I do not know that person, and that person has never used my telephone number since I have owned it for 25 years. In order for the unwanted telephone calls to end, I am required to telephone the company. I should n't have to do that as an innocent, uninvolved person.

Company response to consumer: Closed
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Student Aid (USA) Funds
State: IL

Complaint narrative:
I received a letter from XXXX attempting to collect a debt. I replied with a letter on XXXX XXXX with USPS tracking # XXXX XXXX XXXX XXXX XXXX. Their response on XXXX XXXX, 2016 was that they provided me with the documents that validates the account. How can a Statement of Purchased Account print out sheet be a validation of account. So I filed a complaint with the bbb regarding this matter. I also stated in that complaint that I wanted XXXX to provide me authentic document, contract, loan, or XXXX note that states I have agreed to any terms or conditions or that I have done any business with. Their second response was " Concerns were raised that XXXX did not provide a promissory note to a request for validation. Please accept our apologies for the inconvenience experienced in respect to our collection activity. Upon thorough review, we identified that a request for a promissory note was submitted to our client, United Student Aid Funds, XXXX Will forward the request validation to the address on file. '' This company should n't have a problem providing that information upon request it is the LAW. It also raises suspicions about their involvement and their hesitation to do so. I will not pay XXXX just because he says so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
My home loan was sold to SLS in XXXX of 2016. Prior to that, I had been with XXXX Mortgage. Since the transfer of my loan, I have received XXXX letters stating that my insurance coverage was insufficient. The first time that I called in regards to the letter, I was told by SLS that I needed to have enough insurance to cover my existing loan balance. I verified with my insurance company that my insurance amount was enough to cover the replacement cost of the dwelling, which according to Virginia XXXX XXXX is what a mortgage company is allowed to require. After receiving this second letter in XXXX, I again called the company to complain about receiving the letter. I was told that the mortgage company just looks at the insurance amount and the loan balance amount to determine if a letter goes out, and not the assessed value of the property. As someone who works with the elderly and XXXX, receiving this sort of letter would be confusing and threatening and could lead to these consumers purchasing additional insurance that they would not require. When I pointed this out to the representative, he was less than receptive. I feel that SLS needs to stop sending these letters out to consumers using their current metric for determining who receives a letter.

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 2015-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Halsted Financial Services, LLC.
State: MO

Complaint narrative:
The company Halstad keeps contacting XXXX XXXX without my consent and leaving messages after he has stated that I do not reside there and to not call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
I had an open account with SLS that required a balloon payment. I contacted the lender to request options for putting that balance on repayment. They told me there were no options. My husband, XXXX, passed away XXXX years ago. I am a XXXX who lives alone on a fixed income. I hoped that the lender would be able to work with me to find a repayment arrangement that would work for both of us, however, they were not willing to provide any options. 
I then went to my local bank to apply for a loan to pay the balloon payment. That loan was approved and disbursed on XXXX XXXX, 2016 with payment sent directly to Specialized Loan Servicing LLC from my local bank ( copy of check is attached ). 
SLS did not process my check until XXXX XXXX, which was two days after the date of the payoff they quoted ( copy of payoff letter attached ). I then received a statement dated XXXX/XXXX/16 requesting a payment due of {$120.00}. I contacted SLS and they insisted I owed the {$120.00}. You will see by the statement attached the balance reflected as of XX/XX/2016 is - {$47.00}. I do n't understand how I could possibly owe them {$120.00} when I have a credit balance. The representative insisted I needed to make the payment. 
Today I am mailing them a check for XXXX days worth of interest from XX/XX/XXXX ( date of payoff quote ) to XX/XX/XXXX, which should clear my account in full. Although I truly do n't believe that it took 23 days for the check to be delivered via US Postal service from XXXX, XXXX to XXXX XXXX, XXXX. Had they processed my check timely, they would have had the payoff significantly prior to XXXX XXXX. 
It appears from my experience, SLS is not in the business to service their customers, but rather to bully them.

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 2016-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Specialzed loan servicing refused to modify my loan # XXXX, and placed my home on the foreclosure sale list for XX/XX/XXXX .XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX did not validate the debt nor did SPECIALIZED LOAN SERVICING. I ALSO sent a letter to XXXX as for proof of claim. SPECIALIZED LOAN SERVICING has fail to respond to a QWR I Mailed XX/XX/2016 to XXXX XXXX XXXX # XXXX XXXX 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 2016-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing LLC ( SLS ) XXXX XXXX XXXX XXXX, CO XXXX or XXXX XXXX XXXX XXXX GA XXXX bought our mortgage loan from XXXX ( XXXX ) on XXXX XXXX, have not been late with payments, now they have increased payment by {$300.00} a month because escrow was short to pay XXXX tax, offered to pay the difference to keep payment at original but said they could not drop monthly amount until 12 month review. I now want to pay tax and homeowner insurance myself I would save by paying quarterly.I have filed Homestead with FL which will reduce XXXX tax by 50 %. SLS after reading reviews appears to be a questionable co. that needs to be investigated. I offered to pay my original monthly payment and pay up front the difference in escrow shortage for XXXX taxes so long as my monthly payment stays the same as it was.SLS will take my money but will not lower my payment to what it was.

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 2015-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA

Complaint narrative:
I first started working with him back in XXXX because he said that my husband and I would qualify for the XXXX program. This was a complete lie. XXXX knew that I was working with other lenders, so he sold us on the product that we never qualified for. He waited a week before we were going to close on the house to tell us that we did not qualify, and that we had to come in the double the amount at closing and go with a product at a higher interest rate. This is a bait and switch. Not only is this unethical it is illegal under the Unfair or Deceptive Act and Practices. XXXX XXXX also tried to have us lie on the loan documents for the XXXX program. After he realized that my husband and I made too much money her called me and told to send him additional names because my household size needed to be bigger.Another issue I had with XXXX was in regards to the appraisal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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 submitted a complaint on XXXX XXXX, 2016 but so far have heard nothing except it is in process. I need to include the attached to # XXXX. 
Specialized Loan Servicing denied our XXXX wire transfer payments & sent a fraudulent Notice of Foreclosure letter. They have not updated our mortgage statement all year including the last XXXX cashier 's checks paid. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA 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 2017-01-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I purchased a car from a private party on XXXX. I paid {$2500.00} ( XXXX/XXXX/2016 ) for the car and {$640.00} to have the car shipped to XXXX, WI. Immediately upon delivery ( XXXX/XXXX/2016 ) receipt the car had numerous issue like non-start, no power, odometer rolled back, leaking fluids. The car was advertised as 'runs and drives great ' with original miles. 
I immediately ( XXXX/XXXX/2016 ) filed a return request through XXXX with the terms that the seller would pick up the car or if he no longer wanted it then it could be scrapped. The seller agreed. 
I notified my credit card company and they removed the XXXX charge. Now, more than 2 months later I receive a letter stating paypal/ebay is refuting the chargeback even though the XXXX seller agreed to the return terms. XXXX has evidence on their system the seller agreed to the terms of the return, yet 'XXXX ' from XXXX ( XXXX ) erroneously completed the chargeback form stating they had no proof the seller agrees to the return! They have all this information in their records including the seller accepting the terms of the return and refund. 
The letter I received requires a 'second opinion on company letterhead from another merchant in the same field ' which is impossible. This was a private party sale, not a purchase made at a business. XXXX knows I can not fulfill this requirement since it was not a merchant sale, it was a private party sale. Therefore the dispute will not go in my favor and my card will be charged for the damaged merchandise even though the seller ( who used paypal for the transaction ) has agreed to the terms of the return/refund. 
I 've contacted my credit card company but they have offered not much more than empathy. I 've done everything I can I my end, I need some assistance to get the refund I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
My loan went from lender paid to buyer paid right when it was time to sign docs. This swing changed fees, interest rate and limited my ability to consolidate my debt as was originally expected. The Loan Company is Plaza Home Mortgage in XXXX, CA and the Mortgage Broker is Fast Direct Lending. My loan number is XXXX. Plaza seemed to keep asking for information well after Loan Approval and all the way up to doc signing. 
My income has increased, my credit has improved and the property was appraised with a good value. I am going to sign the loan docs, I have till XXXX XXXX XXXX, 2015 to rescind. 
I have been trying to refinance for the past XXXX and I am not sure I can go through this another time. It seems that Plaza was delaying. I do not know the dates of lock extensions but their re-requesting of the same information for example a XXXX for my mother whom does not file taxes. They were told this yet they kept asking for this form to be resubmitted. Just when it was time to sign docs, the Notary even contacted me and we were going to meet that day, only to find out that Plaza stopped the process and next thing I was paying for all cost of the loan with a higher interest rate. I was floored and have been nauseous since. It has been XXXX months since the original XXXX was issued. The market is moving and I am afraid that if I do not take this loan I will end up with an even higher interest rate. This seems unfair 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 2017-01-29 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Hello, XX/XX/XXXX applied for and received a Barclaycard Mastercard as part of an effort to rebuild my credit. As is the case with folks with less than perfect credit, the card had an exceptionally high interest rate and onerous fees for everything. Right off the bat there were issues with access my account, viewing statements, but I paid as I spent, and my limit was only {$2000.00}. 
At one point XX/XX/XXXX, I was nearly at my limit. I paid a minimum payment, and then set up my bank to pay automatically, and I put the card away. Somehow the minimum payments just seemed increase despite the fact that I was not spending on the card. I did n't notice this for some time because I did n't think they would increase if I had n't spent. 
Then the calls came, multiple times a day, disrupting me at work. Half the time no one was on the line. They called when payment was due, the same day I made a payment, the day after, and I got emails telling me I was near my limit, thanking me for my payment, telling me my statement was ready. Each month the minimum payment was climbing by $ XXXX+. I could n't pay that, and I continued with the automatic payments at less. 
XX/XX/XXXX my last statement said my minimum payment was {$700.00} - on {$2000.00} limit card? Then I received a letter that my account had been handed over to a collection agency. No warning. No letter or email or voicemail. Just XX/XX/XXXX statement, and XX/XX/XXXX collection agency. Efforts to talk with them just get me diverted to the collection agency. 
All the work I had done to repair my credit destroyed, and not so much as a warning. I was told making timely payments was most important, even it they were not full amount. 
This has been devastating. It was a terrible decision, and Barclay is a terrible and predatory organization.

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 2016-05-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Hi, I have a mortgage loan through SLS account # XXXX and I never can catch my mortgage with them from the start due to high interest rate. I 've been so far behind now I am at the point where I am going to loose my house. The only thing that is keeping from foreclosure is BK Chapter XXXX. I am really stressed out and I really do n't know what to do from here, The only thing I can think of is to request a loan modification. Hopefully this can help me keep the rate and principle down and avoid foreclosure. I never got the loan documentation and I am completely upside down. The lender never contacted me to start the loan modification or any type of assistance. I think my current rate is 9.5 % and I am so far behind with my current mortgage. 

Please see what you can do to help. 

Thank you.

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 2016-10-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc.
State: IL

Complaint narrative:
Look, these people are harassing me over {$170.00}!!!!!! I AM NOT paying for it!!!!!!! There should be NO DEBTS on my credit at all!!!! Also, I DO NOT need ANYMORE debt collectors contacting me!!!! These people just DO NOT LEARN!!!!! ALSO, THESE PEOPLE NEED TO LOSE MY XXXX SOCIAL SECURITY NUMBER, ADDRESSES,, ANYTHING OR ANYBODY THAT IS ASSOCIATED WITH ME, ETC ... LOOK AT MY XXXX CREDIT BUREAUS TOO. I ALWAYS FIND OUT THAT XXXX, SO THEY NEED TO KNOCK IT OFF!!!!! ALL THESE PPL CARE ABOUT ISTHEIR MONEY AND NOTHING ELSE!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In our XXXX end-of-year escrow statement, SLS told us that we had a shortage in our impounded funds ( due to reassessed property tax ), and told us what our new payment would be. On XXXX XXXX, XXXX, SLS acknowledged receipt of a letter from us disputing the amount being demanded and offering an alternative payment plan. On XXXX XXXX, XXXX, SLS sent us a letter turning down our alternative plan and demanding the original amount. 
While this payment amount was in dispute, we made our XXXX XXXX payment on XXXX XXXX, XXXX. We paid {$2700.00}, which was not the new amount SLS told us to pay, but was more than enough to cover our principal and interest due for XXXX XXXX, as well as an increased amount for our escrow account. 
However, SLS did not apply the funds we sent to our account. Instead of paying first the interest, then the principal and then putting whatever was left into the escrow account -- which SLS holds as a service to us -- the entire amount was put into " unidentified funds unapplied. '' This, in turn, made it look as if we had not made our XXXX payment -- although again I emphasize that there was more than enough to cover our principal and interest -- and we were charged a late fee, which I paid. 
I have been a homeowner since XXXX XXXX, and I have never once had a late payment. My husband owned a home for four years and never once had a late payment. NEVER. 
And we did n't make this payment late, either. The issue is the order in which the funds were applied. 
When our loan was first transferred to SLS, in XXXX XXXX, both our old mortgage company and our new company paid our homeowners insurance. XXXX sent me a refund check for the second payment, and I sent it to SLS to be reapplied to our escrow account. It took three months and numerous phone calls to get that simple thing done correctly.

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