vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I had a mortgage with XXXX and when they collapsed it was passed on to other lenders without my knowledge and XXXX XXXX XXXX wound up with it and it took several years before i found out where it was going to and a loan servicing company called Specialized Loan Servicing started sending me notices and then it was sold to XXXX XXXX and XXXX XXXX and I had to hire several different law firms for a Modification which XXXX is now the bankrupt law firm XXXX XXXX out of XXXX New York. They had told me that indeed I was the victim of Robo signing and for years I filled out monthly paperwork for SLS whom I found out was working for XXXX and XXXX and they forced me into bankruptcy and my home and my truck were the only debts I had and I am still in the house and there is a serious problem as the house sits on XXXX pieces of property XXXX of which XXXX county and I have a stake in together ... It gets even more twisted as I am still trying to save my house and I am still in it, I need to talk to someone asap .Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
I purchased a lease vehicle from Toyota financial and they have been adding misc charge and said it was taxes in the sum of {$2000.00} dollars. My lease ended in XXXX and they said I could extend my lease for 6 months and the payment would be approx XXXX. I called to make a payment and I was told my payment is {$470.00} approx a month for a XXXX toyota corolla. I believe i refused to purchase a lease vehicle from the dealer and all of a sudden my expenses have gone up. I have no letter stating my monthly payment. even on the website the total for 2 months is XXXX yet the agent on the phone told me it was over a XXXX even though on the website on my account it says XXXX. Their numbers are not matching and I feel like i am being cheated. I have had terrible service with Toyota financial due to these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
I have a charge-off on my credit from " MONTEREY FINANCIAL SVC '' & " MONTEREY COLLECTION SVC '' which I never even applied for. I was sent a letter from Monterey Financial Services Inc dated XXXX XXXX, 2014 saying that my credit application was denied. But again, I never applied for anything to this company or the application for " XXXX '' that they are referring to on their letter. I did attend a sales pitch meeting from XXXX but I did not purchase any of their vacation packages. Now my credit report is showing XXXX charge-offs from this company for {$4600.00} and {$3400.00} ; which like I mentioned above, I have never applied for to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: PA

Complaint narrative:
I have been attempting to work with representatives at Selene Finance for over a year on resolving the short-sale or Deed in Lieu of my former home. I am constantly promised return phone calls and resolution to my matter month after month, only to learn that my case has been once again reassigned upon following up. They NEVER return my calls within the time frame given and I am always given " the run around '' when I call concerning the status of my account. For the last two weeks I have been promised phone calls to discuss resolution, but have yet to receive XXXX. I again called today to get a status update, but no one could give me an answer, nor did they have any idea what I was talking about. I have tried to be patient with them and have given them more of my time and information than necessary. Their customer service is a disgrace to the finance industry and is costing me valuable time that I could have had my home on the market and sold, but can not list it without their approval. Their lack of urgency has also cost me XXXX previous interested buyers in the past when my home was eligible to be placed on the market. They have no structure or protocol to follow with respect to these situations, which has brought me to this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Wakefield & Associates is attempting to collect a debt after I provided them proof that the debt was paid to the original creditor, prior to receiving any information from Wakefield & Associates.

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 2015-08-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I sent a payment of {$300.00} ( {$200.00} money order + {$100.00} personal check ) and it was received by the bank and credited to my credit card on XXXX/XXXX/15. I received the monthly statement showing the payment was received on time by Banco Popular de Puerto Rico. Also, it said no payment was needed next month because of good payment history. On XXXX/XXXX/15 the bank sent me a letter explaining the {$300.00} credited to my credit card was an error. The bank is alleging the {$300.00} were for a different account. So, they withdrew my payment and credited the {$300.00} to someone else credit card. The bank ends by saying all this will be reflected on your next month statement. This situation puts my account as no payment received, so the purchases I made ended up over drafting my credit card. The bank keeps calling me alleging that the payment was ''reverted '' when I asked them what that meant they say it had no funds. My check was chased and cleared by the bank and I doubt that a money order from XXXX XXXX had no funds. Even though they keep calling me, no one can explain clearly what happened, instead they keep asking me for a payment that I already made. Plus, in XXXX/XXXX/15 they received another payment I sent for {$100.00} and it was chased and clear by the bank without trouble. My complaint is that someone is going through all this trouble to steal my money, alleged that no minimum payment was received, charging me late fees, and ultimately affecting my credit report by over drafting an account that should be in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-10 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: CA

Complaint narrative:
XXXX Loan Servicing has repeatedly failed to mail mortgage bills to my correct address. I have lived at the same address for the past 2 years and XXXX has failed to send me monthly mortgage bills and then they report my account as past due. This is now the XXXX time this has happened and the last time it happened my account went 60 days late and my credit has been adversely affected due to XXXX 's failure to send the bills in the timely manner to my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
I have tried several time to get this removed from my credit report IT IS NOT MINE, IT IS NOT MY NAME. XXXX XXXX XXXX ACCOUNT # XXXX, XXXX REFUSES TO REMOVE. 
XXXX XXXX AND XXXX XXXX XXXX IS not my name, so remove from my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Not applying whatever payment I send to my account. Holding it so that a full amount is received & then posting it to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XXXX of 2011, my mortgage loan was modified under the " Make Home affordable '' Government plan with XXXX and subsequently transferred to a servicer called SLS. 
Shortly after the transfer, SLS increased my mortgage payments from {$2000.00} to {$2200.00} without any notice. An increase of XXXX in which I believe is was an error for what I have been financially burdened. I am looking for restitution for those monies I have overpaid over the time of the loan. 
I am attaching a copy of my original modification documents in support of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I paid XXXX medical collections and WAKEFIELD & ASSOCIATES stated I would receive a paid and full receipt upon payment. I have called multiple times and I keep getting the same run around that They have faxed my receipt in which I have not received. I paid with my debit card and have proof of transaction. The phone calls are recorded and should show as proof to our agreement in full. WAKEFIELD & ASSOCIATES have not validated my debt yet they still are reporting these negative accounts.

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 2016-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I keep receiving harassing calls from Wakefield & Associates, whom I assume is a debt collector and whom I have no affiliation with or any of their clients. I have no outstanding bills as I pay all my debts in full each month from auto drafts from my checking account with records of all transactions. I do n't know how they have my phone number but would assume it is from past identity theft. Whatever information Wakefield may have as indication of some unknown debt is sure to be invalid as I am sure they do not have any notarized documents as I personally never had any business with them or any of their clients. I previously filed an identity theft report with the FTC, reference number 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 2017-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I have XXXX mortgages ( my husband and I own XXXX houses ). No surprise, XXXX mortgages have been transferred to other companies. XXXX companies charge us an " online processing fee '' for paying on line. This makes no sense at all! They do n't have to pay someone to open a letter and process the payment, it 's less secure to mail the payment, and the payment is recorded online anyway. The companies are Specialized Loan Servicing, in XXXX, and XXXX, in 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 2016-12-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
I paid my bill to the XXXX in full in 2011. Then I got a bill for {$1800.00}. I contacted XXXX ( we had coverage through XXXX ) and they said the XXXX never filed for XXXX portion of my treatment. I tried to explain this to the office several times and they threatened a lawsuit. 
I have not responded sooner to the incorrect report on my credit file because of ongoing sickness with my husband. Now I feel this has gone on long enough. I do not owe this balance and I asked them for the records a long time ago and never got them.

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: CA

Complaint narrative:
We purchased a home in XXXX XXXX with a conventional mortgage through XXXX XXXX. It was transferred to XXXX shortly after its inception. We received a notice in XXXX XXXX that the loan would be serviced by SLS. We did not set up an impound account for property taxes when we purchased our home. 
Because of that, we paid our property taxes prior to their XXXX XXXX due date in the amount of {$2500.00}. In XXXX XXXX, we received a check from our local tax collector/treasurer for an overpayment in the amount of {$2500.00}. After a telephone call to the county treasurers office, I suspected that SLS had mistakenly thought that we have an impound account. I promptly returned the check to the treasurer/tax collector with a letter stating that we do not have an impound account -- never have, never will. I also sent SLS an email alerting them of their error. 
Fast forward to XXXX XXXX, when SLS sent me a bill with a notation that I have a delinquent tax advance charge of {$2500.00} that is due by XXXX XXXX, XXXX. Please help. I do not want to pay for taxes that I have already paid. Please note that our local taxes are due in XXXX installments of {$2500.00}. I have paid XXXX installments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
SLS has not provide me with statements or online access to my account information thus no printable info. I have faxed request # XXXX on XXXX XXXX XXXX for current information on all, that includes tax, insurance and the disbursement of my payments ( some of which I paid over the amount ) the principal, and the disbursement of the funds from the hardest hit recast loan. Fax # XXXX this morning. I called last month to ask what my payment was taxes and insurance had been included but, I had received a tax bill a couple of weeks ago which I never had before. I called and I have to go through multiple departments to get answers. I filed bankruptcy XXXX/XXXX/XXXX at that time they were not to contact me thus I could n't access my account. My bankruptcy was XXXX XXXX/XXXX/XXXX. So why ca n't I get a statement, online access of printable info. How was my money disbursed has yet to be answered. I received documents that were unacceptable and incomplete not providing the information I requested. I also received a letter from SLS last week stating it would take a month to get this request processed. 
Today I received an email from the insurance company they will be taking payments out of my account. I get 1 week notice on the change? I ca n't access my account online thus I can not print anything directly from them I have to do a screen copy, why? My computer is not the issue. 
I have made inquiries by phone and my XXXX request by fax this am. I am disable and I need to know where my limited income has to go, not last minute. I will be calling them along with the fax to find out my payment due for XXXX. I 'm KEEPING my HOME all I want is fair, complete, and accurate information regarding my mortgage. I was fortunate to get the assistance from the fund only to be blindsided by the mortgage holder. I have had too many of them but this is the worst to date. 
Please help me resolve this matter t keeps me up at night. 


Sincerely

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Monterey Financial Services LLC
State: MO

Complaint narrative:
I purchased a dog through XXXX pet store XX/XX/2015. They financed it through Monterey Finance, I was never given the disclosures for the finance charge. The purchase price of the dog was XXXX I have paid a total of XXXX on the dog. The purchase should be paid in full however I have never received a monthly statement showing my balance and finance charges. I finally was able to speak with someone after numerous attempts they stated I still owe a balance of XXXX. It 's more than frustrating that I have paid my payments monthly on time and without and communication from this phantom company. When you try to call them they put you on hold long amounts of time followed by being disconnected. I reached out to pet store where I purchased the dog they stated they could not give me any information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX has a debt system that is not tied to patients social security number. I have a debt payment agreement with them making payments on my balances for XXXX different hospital visits. At their direction I was paying on oldest ones first. Since the accounts are not linked to my social they determined that I was not making payments and sent them to collections. They have damaged me even though I was making good faith payments.

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 2017-03-18 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
They violated the HIPPA I did not authorize XXXX authorization to disclose my medical condition to any one. This debt should be removed from my credit bureau 's immediately.

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 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
I am getting really frustrated. I have not checked my credit report in years. I went on to see I have XXXX medical collection accounts through American Adjustment Bureau. I have filed a complaint because I never received any kinds of statements from these companies saying I owe them money. I have NOT received anything from this debt collection agency. I have asked them for copies of the original bills so I can verify these are even my bills. I 've asked them to remove from my credit reports to give me a chance to verify. I 've asked them to send me these statements with dates and still have not received them. Instead they went in on my reports and updated the information to the current dates. I 'm very upset and think this is unfair to me. I 've contacted them again trying to get these documents. I 'm ready to go somewhere else where I can report them. I just had another company try to take advantage me for almost XXXX dollars and it turned out I did NOT owe this money. So I need these documents so I can verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KAHRS LAW OFFICES, PA
State: KS

Complaint narrative:
Garnishment sent to my employer. Different name and info on acct. believe also wrong social. Attempting to take money from my job even know this is not me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: UT

Complaint narrative:
The rude collector emailed me twice and then called saying they were going to inform XXXX XXXX XXXX to issue a felony arrest since I did not pay back a payday loan. The payday loan they said I took out was apparently XXXX of 2015 and I did not take a payday loan out and the address associated with the loan is not mine and the job title I supposedly said I did is not me either. The rude lady would not give me any more details or help me on what to do she said I needed to pay it or I would get arrested and the judge would be mean and nasty and make me pay it anyway even if I did not actually take out the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: LA

Complaint narrative:
Allied Interstate, Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day.

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 2017-01-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Credit Plus Inc
State: VA

Complaint narrative:
I did n't tell this Mortgage company to run my credit report the Loan office officer name is XXXX This loan officer ran my credit not once but twice and I tried to call he wo n't answer the phone. 
I need these inquiry off my credit report it bringing down my score Please deleted these inquiry from XXXX XXXX to XXXX XXXX

Company response to consumer: Closed with explanation