vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I AM ATTEMPTING TO MAKE PAYMENTS TOWARDS THE ACCOUNT, HOWEVER THEY ARE REFUSING TO PROVIDE UPDATED STATEMENT AND RECIEPTS TO SHOW ANY PAYMENTS.. AS PER THE COMPANY, THEY ONLY SEND OUT A PROOF THAT THE ACCOUNT HAS BEEN PAID OFF. THEY ARE ALSO REFUSING TO UPDATE THE CREDIT REPORT SHOWING PAYMENTS UNTIL THE ACCOUNT HAS BEEN PAID OFF COMPLETELY. AS PER THE COMPANY I MAY USE MY BANK STATEMENTS AS PROOF. WHICH I BELIEVE IS INSUFFECIENT PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
The bank just repossed my car today. They claim the do not have give me written or verbal notice to do so. The bank is Huntington Bank in Ohio. This problem started with them on XXXX/XXXX/15 when I called to reschedule an automatic withdrawal from my checking account to Friday XXXX/XXXX/15. On XXXX or XXXX they took the money out and my account was overdrawn {$350.00} plus fees and other debits there after for total of {$450.00}. However it took them until XXXX to send me a check. I have been behind on my bills and budget since. So today they punish me and take the car.I ca n't believe they can do this without notification. Can you please help? I would like my car back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-28 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: TX

Complaint narrative:
I called Netspend and was told I could n't open a account because I have to many cards open. I told the representative I lost my DL, bank card and social security card back and 2010. I never open cards with them and I would like to. I was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
On XXXX XXXX I received an alert that a new account had been added to my credit report. I immediately disputed with all three credit agencies and sent out a debt validation letter to XXXX XXXX. One week later I receive a print out on their letter head ( unacceptable since this is not my debt ) XXXX deleted the account but XXXX and XXXX did n't budge. The last name on the account is XXXX ( not my name ) I never received a dunning letter, a phone call, a bill Nothing. Just a surprise account that was previously deleted because the collection agency before could not validate this bill. This has caused tremendous backlash on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ESCALLATE, LLC
State: NV

Complaint narrative:
Escallate LLC is demanding that I pay {$450.00} for the doctor I saw while in the XXXX of XXXX XXXX XXXX Hospital ( XXXX ) on XXXX/XXXX/13. I could not afford healthcare at the time of service and as the attached documents show, all amounts due as a result of NECESSARY medical care were waived with a XXXX % charity discount by XXXX XXXX. I contacted the physician 's billing regarding this matter and was informed to forward my letter of acceptance from XXXX XXXX so that my account could be verified and the balance updated to {$0.00}. Despite providing this letter as requested, the account was not updated and Escallate insists that I owe {$450.00} for an amount that was written off by the physician. Not only is this incorrect, my credit has been seriously impacted as a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Student Services
State: CA

Complaint narrative:
Hello -- I was approached to consolidate my federal student loans via a company called studentloanaid.us. They charged me a yearly fee and then managed my student loans for me under a income contingent plan. I now can not reach this company, their website is defunct and they have no functional phone numbers. I have no idea what to do about my outstanding loan. Can you please help me?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: OK

Complaint narrative:
PHH Mortgage was reporting negatively to the credit bureaus during the time I was being monitored through a chapter XXXX bankruptcy. This has caused serious problems for my family and the purchasing of our new home. My wages were being garnished by the BK Co the entire time and they were making the payments on time for me. We provided my bank statements along with the payment history from the BK Attorney and PHH is still refusing to correct my credit. I contacted my bankruptcy attorney about this and he was going to get me some information on the payment process from the ChapterXXXX office, however, he stated that 1. The payments were made electronically and 2nd, that they should not have been reporting to the credit bureau until after the bankruptcy was discharged. 
I also spoke, again with PHH Mortgage today and the lady I spoke with suggested I file a dispute claim with their Credit Report Disputes department, which after I get the information from my attorney I will do as well. I wanted the CFPB to know so that other consumers are aware!!! This has caused me entirely too much stress and wasted my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
2009 when unemployment rates were in the XXXX digits Sessoms and Rogers a attorney debt collector capitalized on consumers who lost their jobs and had charged off debt. They will not settle for anything over 75 % of the debt plus interest added back from your last payment. So XXXX dollars becomes XXXX overnight. They sent the Sherriff to my door XXXX times even after I filled out and filed the paperwork to document XXXX assets. I did not even have furniture in my apt . Now that I am making payments and have been for over 1.5 years they file a current collection on my credit like it is brand new. These debts were over 3 years old when the Sherriff came to my door. I should have never set up a payment plan. What they did was pure harassment and unethical

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oxford Law, LLC
State: MI

Complaint narrative:
Original debt from 2007 has since been disputed multiple times and sold many times. Current debt collector Oxford Law has been told the debt is disputed, it is past statute of limitations and asked to not contact me anymore. They have repedadtly called my family and work phone. They refuse to stop contacting me. I have blocked several phone numbers and they now use 3rd party services so call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc.
State: KY

Complaint narrative:
Right as my chapter XXXX was ready to be dismissed, they filed a claim that I had not made a payment in over a year. They asked for Release from Stay and it was granted as my attorney did not file a motion to dismiss their motion. Their attorney stated to the Trustee that the lender would accept payments from us as long as we continued to make them. Of course, now the loan has transferred to a different lender who will not accept payments claiming we are too far behind. I have given proof of all my payments to my attorney who is supposedly working all of this out, but in the meantime, I have sent payment after payment and the mortgage company keeps sending them back. They did accept the first payment I sent to them in XXXX but said it was a mistake. XXXX mortgage companies even sent me address information to send payments to them and when I called and spoke to their customer service dept. in XXXX, they even offered to take payments over the phone. Now, they are stating that they never should have accepted payments or even offered to do so. They are playing off of each other and each company is contradicting what the other is saying. I have gotten XXXX different statements with XXXX different " past due '' balances and " due dates '', all of which are bogus. I have written a qualified written request asking for a complete account history beginning with the original creditor and they have not provided it. They did send me a history from the most recent company but only after me requesting it 3 times and it took them over 2 months to give me that. My account has been transferred 7 times since it originated in 2003 and it has been through numerous attorneys. There are too many account discrepancies to list on here, but they are claiming that I am too behind to catch up. Even my attorney told me that he sees this kind of stuff all the time and the mortgage companies strong arm the homeowners to fall behind even further by not accepting payments causing then to eventually be really delinquent. 
I have all the letter from the attorney and all of the returned checks. I am tired of the games they are playing. I also find it appalling that their attorney would lie to the Court stating in their written Motion that the lender would accept payments from me and then to find out that the lender had no intention to do so. 

I would personally like to see them fined for deceptive business practices and would love to eventually form a class to file suit against them and seek both civil and punitive damages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Illinois Collection Service, Inc.
State: CA

Complaint narrative:
Keeps leaving threatening messages for my half-brother who I have never lived with or shared any type of an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I submitted a request for modification assistance to my lender Selene Financial. Selene Financial, has refused to review my loan for modification assistance citing that they do not have to review my request if my loan is less than 37 days from a date of sale. Selene confirmed receiving a full package on XXXX XXXX, XXXX, and furthermore we were never given any such date which would be deemed too late to review our documents. This fictiosous rule was only implemented when our package was received by Selene. The FHA general rule of thumb is that loan modification requests require a minimum of 30 days for review of a full package. 
Please also note a sale date was imposed on our home on XXXX XXXX, XXXX, which was also after having received our documents for assistance XXXX XXXX, XXXX. XXXX and a well-known foreclosure mill named XXXX XXXX XXXX are attempting to set aside federal rules and statues surrounding loan modification review. They have seen the equity in our home increase significantly over the past couple of years. This act is known as " Dual Tracking '' and has been illegal snice XXXX National Mortgage Settlement. 
My understanding is that Selene Financial, has one purpose at this point which is to foreclose on our property due to the increase in home equity over the past 18 months and the fact that our family suffered financial set back on multiple occasions prior to our request for assistance. Furthermore, it is our belief that because our loan is government insured loan both XXXX XXXX XXXX XXXX aim to profit from padded, trumped up legal fees and filing a claim with FHA for insurance money to cover my loan. 
I also am certain that my original loan does not contain a power of sale clause, which, means Selene and XXXX XXXX XXXX, are required to complete a judicial foreclosure on my home rather than non-judicial. 

See statute below : Most residential mortgage foreclosures in Texas are no judicial, which means the lender can foreclose without going to court so long as the deed of trust contains a power of sale clause. ( A " power of sale clause '' is a paragraph in the mortgage that authorizes the no judicial foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: POPULAR BANK
State: MA

Complaint narrative:
So I applied for a XXXX loan and was approved they had deposited XXXX into my account on the XXXX and now the check shows reversed and my account is negative XXXX and when I called they said the money would be depoisted Monday at XXXX with the rest of the money missing

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 2015-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
ICS KEPT CALLING ME FROM ( XXXX ) XXXX REGARDING # XXXX, COLLECTING FOR XXXX XXXX XXXX IN VIOLATION OF FDCPA, AND TCPA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Solutions To Portfolios, LLC
State: MI

Complaint narrative:
STP Group ( Collections ) continues to contact my place of employement, an XXXX and his family members after being asked not to. They ( XXXX XXXX XXXX/XXXX/2015 ) disclosed false information to my XXXX family and threatened to charge them. An undisclosed individual of the company said she would call back to my office and tell my co-workers and boss I refuse to pay my bills. They will not stop calling my place of employment although they have my personal number to reach me. XXXX XXXX informed me she does not have to stop calling and will continue to do so until I pay her then hung up the phone. Furthermore, I do n't believe this company obtained my information legally and/or their claim in valid. I contacted the original company who stated I do not owe them nor was my account sold to STP Group or Collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: OR

Complaint narrative:
Selene Finance will not help me figure out why there are so many different amounts used for figuring out my payoff on my home and they are foreclosing even when I told them I was wanting to keep my home. The attached documents they sent me are for payoffs that they did on the same day and the one for XXXX XXXX payoff is higher than the one for XXXX XXXX because of their " XXXX Foreclosure Fees '' they charged. I wanted to know if that was the amount they were charging each month and XXXX at Selene told me he did n't know how the payment department figured out the payoffs for this and they did n't have a phone number or name of the person I should speak with for current payoff information. If I would have been able to get this information today, I would have had the payoff amount. My Aunt was in town and she was going to pay for my home and I was going to make her payments. Because of this conflicting information, and the lack of information I received when I called Selene, she decided against it because she said the amounts did not make sense and until I had that cleared up, she would not loan me the money. My house loan was for {$140000.00} in XXXX and I paid on it for 10 years at which time I needed help with payments and never was able to get it from XXXX XXXX. Now the amount owed is somewhere between $ XXXX - $ XXXX according to Selene and they do n't know where they got the amounts from. I was discharged from the loan in a chapter XXXX bankruptcy and now they are taking my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 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: United Revenue Corporation
State: TX

Complaint narrative:
Account # XXXX {$990.00} Account # XXXX {$330.00} Spoke with this creditor XX/XX/XXXX, I was instructed that if I paid everything off in full that it would be deleted from my credit report and I would be issued a letter stating items were to be deleted. I asked if I could have a letter faxed to me stating this. They said yes and took my fax number down. I called back on XX/XX/XXXX and made the payment in full for {$1300.00}. The agent I spoke with that day told me that she could not fax me the deletion letter. I informed her that was not the agreement I had made on XX/XX/XXXX. She went on to say there was nothing that she could do to help me. I asked ot speak with a supervisor, I spoke with XXXX who was extremely rude. She kept screaming and cutting me off. 

I asked XXXX if she would listen to the recording from my last call and give me a call back. She refused to do this. I told her that they should honor the verbal commitment they made with me on XX/XX/XXXX. She continued to uphold the promise that was made to fax me a letter stating that the items would be deleted. I was told that XXXX was her manager, I called him on XX/XX/XXXX. However, he never returned my call. 

When I first reached out on XX/XX/XXXX about having this issue cleared, I let them know that I was in the process of purchasing a home and this is hold up everything. My lender needs these items to be removed, before issuing my approval to purchase. My family is living in a hotel, waiting for these XXXX items with XXXX to be deleted. 

At this point, I do not know what else to do as I was lied to and mislead by United Revenue Corp. I have asked them on numerous occasions to listen to the recorded phone calls, they told me even if the represented told me that she could fax me a deletion letter they would not. At this point it is my assumption, that they blatantly lied to me in order for me to make my payment in full. They had no intentions on deleting these items, even though they stated that they would be on a recorded line. 

I wanted to try reaching out via CFPB before getting legal counsel and filing a lawsuit. XXXX has violated my rights under the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Dear Sir or Madam, I recently received a letter in the mail from a collection agency called XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Phone # XXXX stating that I have XXXX outstanding collections, on XXXX/XXXX/2016 I faxed them some pass information showing where these XXXX collections were removed from my credit report ( See attached Information ). On Wednesday XXXX XXXX, 2016 I received XXXX letters showing where they have removed this information from my files from their collection agency, ( See attached letters ). The next point is This collection agency noted that these collections came from a company called XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX which is Capio Partners same address their Phone # to patient advocate is XXXX. I Received from my XXXX XXXX credit score showing that XXXX is reporting these XXXX collection of {$120.00} and {$110.00}. I am asking can you please help me to remove these XXXX collection from my credit report and get Capio Partners to stop harassing me. update my credit file within the next 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Webcollex, LLC
State: CA

Complaint narrative:
An illegal collection account was placed on my account from CKS Financial. CKS Financial states they are collecting for " XXXX XXXX XXXX. '' I contacted XXXX XXXX XXXX and they state they have ever had an account for me. I contacted CKS Financial with no response. I have also sent a debt validation to them. My address on my credit reports has been up to date, my phone number has not changed. I have not received any communication from CKS Financial and now they are listing a {$330.00} debt on my credit report illegally. I will also be filing a police report related to this incident.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed