vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: MD

Complaint narrative:
About XX/XX/XXXX, my loan was " sold '' to Selene Finance by XXXX XXXX XXXX. At the time I began working with Selene to obtain a needed modification as I was unemployed and then return to work making less than before. Selene offered me a forbearance agreement that would result in a loan mod. The terms were a six-month trial payment plan which I agreed to along with their requirement for me to make my first payment via money order and the rest by ATF draft. The ATF draft form was sent to me along with the agreement package, pre-filled with my name, address, draft amount, etc. All I had to do was fill in my bank information, sign it and send it back with the other papers. Selene received the package and cashed the money order, but never started drafting the money out of my account. When they finally contacted me about my payments, they claimed the ATF form was not received. Then after further conversations and me submitting a copy of the signed form, they admitted that the form was in my file, however, the form was invalid because based on my particular agreement I never should have received an ATF form in the first place. I asked how was I supposed to know that since they sent me the form pre-filled. I argued I should n't be penalized for something that clearly was not my mistake, but to Selene it did n't matter and that I was now in default of the agreement. I sought help through a mortgage counselor who witnessed the difficulty and inconsistency in Selene 's communications. The counselor referred me on to an attorney. My only goal was to have Selene honor the original agreement as I feel they had no right to put me in default over their mismanagement. Now in XX/XX/XXXX, after all the attorneys and the back and forth, Selene offered me another forbearance agreement that was clearly a set-up for failure. The terms are vague with no guarantee of resolution to a modified mortgage. If I had signed, it would have been a no-win situation. I would have been at the mercy of Selene and still with the threat of foreclosure over my head which they made very clear was still on the table. So after several years of fighting this, this is where I am with seemingly very little recourse. Lastly, I learned through all this that Selene is a mortgage servicer. Another entity actually owns my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I rented an apartment and kept getting sick along with my daughter, and my granddaughter. I asked the management about mold and they swore up and down it was n't any mold and they stated no, the doctor told me I had to get it removed or I had to move. I had to send a sample to the lab and it came back XXXX kinds of mold including XXXX, I told management and they denied it up and down even though I almost died. I moved and had to secure another place to live. I shared this information with the Management and they said I had to pay them {$3400.00} I did not owe them anything I as well as my family almost died and they forwarded all of my personal non-public information to CARTER YOUNG, INC. and they are reporting on all XXXX of my Credit reports this is IDENTITY THEFT and I did not give them permission to contact me pursuant to 15USC1692c and they feel as if I owe them when they owe me for almost killing me moving my family into a mold infested place to live. 

This is definitely 16CFR603.2 and these CORPORATIONS are going to have to stop this bad behavior, if more CONSUMERS say something this non-sense will stop. I do not feel as if I have to die to stay in somewhere there is mold and I have the proof they moved me into a bad moldy situation and should talk with people about moving into that bad place but I have been cool and calm. This is just bad business, no matter who is doing this I am a woman and do not have to be subjected to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: POPULAR BANK
State: NY

Complaint narrative:
I have a Business Debit card with Banco Popular NA and somehow money was taken out of my account using ATM machines in other areas of NY ( XXXX and XXXX ) for XXXX day totaling about XXXX. I never lost the card I still have it and the bank tells me i might get my money back but as of now no credit. I saw online that after XXXX days I am supposed to be given a CRedit untill the investigation is complete. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I have no knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: CA

Complaint narrative:
I have a HELOC with XXXX XXXX XXXX and I was approved for a trial loan modification with payments of {$3100.00} starting XXXX XXXX, XXXX through XXXX XXXX, XXXX. I made the first trial payment to XXXX XXXX XXXX on XXXX XXXX, XXXX for the XXXX XXXX, XXXX payment and on XXXX XXXX, XXXX for the XXXX XXXX, XXXX payment. I received a transfer notice from XXXX on XXXX XXXX saying my loan was being transferred to Selene Finance effective XXXX XXXX, XXXX. 
Selene would n't accept my third trial payment due for XXXX XXXX, XXXX. A new assignment of the Note was recorded on XXXX XXXX with XXXX XXXX as the Trustee for the Note. Selene approved of a loan modification with payments starting XXXX XXXX, XXXX and a payment of {$4400.00} a month, an increase of {$1200.00} a month from the trial mortgage payments that XXXX approved. Selene never gave an explanation as to why the increase in the permanent loan modification. Also the Principal balance of the loan modification is {$840000.00}. However, the loan started off as a Home Equity Line of Credit for {$500000.00}. After requesting an explanation in the {$340000.00} in charges, Selene could n't give an explanation other than saying its a modified interest bearing amount on a Home Equity Line of Credit ( HELOC ) After I rejected the offer, Selene said that would proceed with foreclosure and Selene recorded a 20 Day Notice of Sale on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NC

Complaint narrative:
I am currently try to clear up an account on my credit report that shows as a home improvement loan ( and it was not ) and is stopping me from aquiring an mortgage loan. I have asked the company on multiple calls to send me a letter stating they no longer hold the account and they refuse. On both conversations with a XXXX XXXX XXXX ( supervisor ) and XXXX they screamed at me on the phone and laughed and said they would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
I have a hospital bill that shows no insurance coverage however, I was insured. They billed the medical expenses to my former address instead of my current. I did not realize this was a bill in collections until this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 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: Carter-Young, Inc.
State: SC

Complaint narrative:
It 's been an ongoing issue with Carter-Young, the employees are very rude, unprofessional, and dishonest. The owner XXXX XXXX, has refused to send me requested documentations to settle an XXXX XXXX XXXX debt. I 've requested to have this debt removed off of my credit report, because the owner refused to send me a letter stating that he would have it removed off of my credit after paying. I 've disputed this debt and they are not removing it. This debt is now XXXX XXXX XXXX and past the date to have it removed off of my credit and they are still refusing to have it removed, which is breaking collection codes, and it 's causing me stress, and hurting my credit score. I am in the process of hiring an attorney to handle this if I ca n't get it resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: CT

Complaint narrative:
I have been trying to get my mortgage modified for over 8 years at this point. My Senators office fowarded my problem to CFPB and the servicer/investor replied and the case was closed. I am filing another compliant to dispute the response to the servicer/investor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: GA

Complaint narrative:
My lender Selene is discriminating against me and going against the CFPB guidelines. I originally submitted my packet in XXXX XXXX, 2015 and i had a foreclolsure of XXXX XXXX. They closed out my modification because they recvd packet 35 days before the sale date. I filed Bankruptcy and my case was reopened in XXXX XXXX XXXX XXXX my XXXX party spoke with XXXX and he advised her to send in updated paychk stubs and i faxed them over to her on the XXXX and she faxed and emailed them on the XXXX. She called on the XXXX to confirm that they recvd docs and the advised her that the mod was closed out the same day they recvd the docs on XXXX My XXXX party had escalaton done and she refaxed the packet all over again on XXXX It is not fair that they closed out my modification when they had all docs 37 days before my XXXX XXXX sale date ... supervisor XXXX XXXX in loan resolution said there was nothing he could do. PLEASE HELP ME KEEP MY HOUSE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: IL

Complaint narrative:
We have had issues with Selene Finance ever since our mortgage was sold to them. There are some charges on our mortgage statement that they ca n't seem to explain. My first request went out in XXXX, 2015 and we have still have not gotten an explanation to date. Back in XXXX of 2015, they responded that further investigation is needed. I believe the charges are bogus and fabricated. I contacted them again last week, and received a letter in the mail that they are looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: POPULAR BANK
State: FL

Complaint narrative:
After researching online for best CD rates - I chose to open an account with E-Loan - an online business. As an online business - account holders are to have 24 hour online access to all accounts. The process was simple enough. However, after opening the account ( for & XXXX ) I was unable to log in using the information credentials that were supposedly on record. I have tried several times ( as soon as 1 day after opening account ) to just get my initial investment of {$25000.00} refunded to the XXXX Bank account from which it was transferred - because an online bank ( CD ) account that can not be readily accessed is unacceptable. E-Loan wants to charge me 2 years interest - even though zero interest had been earned at that time. They also told me that no time frame was available for when they might " fix '' the log-in problem! The account was opened on XXXX/XXXX/15 and I filed a complaint with the XXXX on XXXX/XXXX/15 after not being able to log-in. XXXX complaint number XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 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: Carter-Young, Inc.
State: CA

Complaint narrative:
I am asking XXXX for validation of debt for a collection they say I owe for an apartment complex. I have sent them 3 letters asking for validation. The XXXX letter said their client verified the name and address listed on the account was correct. I did n't ask for that, I asked for legal validation. In the XXXX letter I received, they sent a statement with my name but not my signature from a lease agreement, nothing showing my DOB or SSN. It had an apartment complex manager 's signature, not mine. That is not valid proof. The third letter flat out refused to send me anything stating they already sent proof which they did not. The XXXX major credit reporting agencies keep sending me reports back saying they verified the account and belongs to me. I requested in my last correspondence with them what their method of verification was on this account when I am not getting any legal verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
I received a credit alert in regards to my credit report that Amsher Collections is trying to collect a debt for XXXX. I contacted Asmher Collections, they advised that the account is not at there office put they are the one reporting the account to the credit bureaus. I advised Amsher that I was unaware of the debt and asked them how they got my person information and they referred me to someone at XXXX. I advised that I would contact my XXXX if they do n't remove the account, the representative hung the phone and would no longer speak with 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 2015-12-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was supposed to receive my closing documents from Bank of America to review at least 3 days prior to closing. I made numerous attempts to get these from the bank and my requests went unanswered. I contacted the closing company and found that their documents had been " approved '' by the bank, but I had no idea if they were accurate. The closing company sent mine to me so I could get the cashiers check for closing. No one from the bank ever reviewed the documents with me even after more requests. I did receive the documents the day after closing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a Bank of America checking account that offers online Bill Paying. I also have a Bank of America " Platinum Plus for Business '' MasterCard under my name. When I go to Bill Pay to pay this MasterCard, their have programmed their computer to pay my B.O.A. MasterCard bill FIVE DAYS LATER. I believe that this is intended to extract unscrupulous late fees and interest from cardholders that pay less than five days before the MasterCard bill due date. Proof : many other payees get credited in XXXX or two days. It can not take longer for Bank of Amarica to " pay Bank of America MasterCard '' than it does for them to pay outside payees.

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 2016-10-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
I paid $ XXXX something which was the amt we agreed upon. She asked how i much i felt like i owed and that presented our agreement amt. She told me that this took care of the whole bill so i do not know where this amt is coming from. This debt originated well over 5 yrs ago but they keep selling it to new collectors. Should this not be removed based on the original date instead making it appear to be a new debt each time a new company gets it? I would greatly appreciate your reoresentation to get this resolved. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying XXXX for two years on a student loan debt that is owned by Navient. XXXX has been miscalculating my payments and not applying my payments correctly to the alleged balance which is a flagrant violation of the Fair Debt Collections Practices Act. XXXX has been adding interest to the balance which is also a violation of the Fair Debt Collections Practices Act. 

I would be willing to settle the student loan debt for {$5000.00}. Navient had offered a settlement agreement of about {$10000.00} more than 6 months ago. I have been making monthly payments throughout this time to XXXX, including after Navient offered that settlement agreement. I would be willing to settle the debt for {$5000.00} as I have already paid Navient XXXX of dollars over the past two years. 
During the past 4 years I have filed multiple written complaints and have copies of, against Navient and their debt collectors for flagrant violations of the Fair Debt Collections Practices Act. 

I would be willing to settle the debt for {$5000.00}. I have been making payments to XXXX for two years each month even while experiencing tremendous financial difficulties. I would need the settlement confirmation in writing from Navient. In addition, before FAMS I also paid another debt collector that Navient had hired to collect on the debt, XXXX of dollars. The only reason Navient switched from the old debt collector to XXXX was because the old debt collector flagrantly violated the Fair Debt Collections Practices Act, which is something that FAMS has also done. I would be willing to settle the debt for {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are XXXX agencies reporting that I owe them money and I have not even lived in the country for XXXX years plus. I would like these fraudulent charges to be removed from my credit score as it is greatly affecting me. 

XXXX ONLINE BANKXXXX XXXX, XXXX $ XXXX was living in XXXX XXXX at this time and it is IMPOSSIBLE that I opened up an account and I have never had a credit card with XXXX XXXX Bank XXXX 

XXXX AT XXXX XXXX, XXXX {$480.00} Again, I was living in the XXXX XXXX for XXXX years and I did not have the use of any XXXX XXXX XXXX service. I put my account on hold and they seemed to think it was ok to charge me when my phone had NO usage. They took my account off hold without my permission and started charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 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: CL Holdings LLC
State: MO

Complaint narrative:
I had this disputed on a credit report over XXXX years ago. I had my bank card information stolen previous to this debt and had multiple charges that I did not make. This being one of them. This is over XXXX years old and this company that has bought this debt from the original company keeps updating the collection which makes it appear as a new collection and is ruining my credit. Please help me. I do not know how to make this go away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am on a XXXX with automatic withdrawal set up by Navient. First Payment was made XX/XX/2016 ) An automatic withdrawal was made of XXXX. The balance at the time before payment was made : XXXX which means I have over paid by {$300.00} XXXX attachment of time stamp XXXX ) My account reflects a balance owed of XXXX cents- see attachment of time stamp XXXX ) Allocation of funds are incorrect and not adding up- see attachment for details A concerns and situation I have expressed and experienced BEFORE in previous complaint w/ Navient. 
XXXX ) I do not want to be falsely reported to credit bureau AGAIN like in previous complaint XXXX ) I have over paid how is this affecting my account and debt? 
XXXX ) Allocation of funds needs to be CORRECTED IMMEDIATELY since I am on an auto payment set up by A NAVIENT RATE REDUCTION REPRESENTATIVE. 
With all these running issues I have contacted Massachusetts Attorney General XXXX office and State Senator XXXX office to help communicate on my behalf to elevate these problems and NO RESPONSE from Navient or resolution has come from it. 
The CONSISTENT PROBLEMS & SITUATIONS Navient has been putting me through are EXTREMELY OVERWHELMING, BEYOND STRESSFUL and UNFAIR! 
Their lack of communication, responsiveness and accountability with these situations/issues are XXXX. 
A payment of XXXX is scheduled to be withdrawn on XX/XX/2016.

Company response to consumer: Closed with explanation