vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I graduated from XXXX at the University XXXX in XXXX, after finishing XXXX at the University XXXX in XXXX. During my time at both of these schools, I had to take out private student loans in order to cover my cost of living, books, food, etc. Now, I am facing upwards of $ XXXX in private student loans. I have another $ XXXX or so in federal loans as well, but these are not the problem. My experience with the private loan companies has been XXXX. They are very rigid on your options for forbearance and deferment. They allow of short term and long term hardship options, but they are always in tandem with super strict requirements that you are unlikely to meet. I pay roughly {$1200.00} a month in student loans currently. My hardest payments being to the private loan servicers. I simply can not afford to keep making these payments and the companies will not work with me in any way to get the monthly payment more manageable. I also have a cosigner, but she 's my mom and honestly can not afford to be making these payments either. I 've been considering bankruptcy as an option, but I do n't want to force my parents into bankruptcy. I 've also been considering just defaulting on the loans with the hope that maybe they will be more willing to negotiate once I stop making payments or we are in court. I really do n't know what to do, but I feel stuck and suffocated by this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Debt was ACH into XXXX XXXX XXXX XXXX credit account instead of the right credit account known as Amex Standard and no longer XXXX XXXX XXXX ( debt buyer/debt collector ) without a signed agreement with the borrower. After the mistake was recognized, in which the XXXX XXXX XXXX, now known as the XXXX XXXX XXXX XXXX, transferred it after the payment date into the XXXX XXXX XXXX, now the debt buyer Amex Standard credit account several credits were made. But then the consumer 's automated default was never removed and it continued to produce late fees and interest owed with defaulting in original month, XXXX XXXX. I could n't get a response from Amex Standard, nor the XXXX XXXX XXXX XXXX, or the XXXX XXXX XXXX on either account/s after phone communications, Email communications, and written communications. I decided to stop paying after XXXX XXXX, because I could no longer figure out what I owed on the Amex Standard ( XXXX XXXX XXXX ) credit card. Their statements are impossible to figure out if you do n't stay current. There is no truth in their statements either, because I do n't owe money to a debt buyer as a retired person on social security benefits per the law, and other legal theories. I wrote to the CFPB and have a complaint against XXXX. This complaint is for Amex Standard ( XXXX XXXX XXXX original debt grantor ). See, my correspondence. This involves XXXX bank accounts and cut-off procedures, and the unwillingness of Amex Standard to be cooperative with the federal and state consumer protection laws.

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 monetary relief
Consumer complaint received 2016-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CL Holdings LLC
State: OH

Complaint narrative:
Called after XXXX on XXXX XXXX 2016 and I feel that I am being harassed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30 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: CL Holdings LLC
State: TN

Complaint narrative:
I am filing this complaint today against Jefferson Capital LLC because my credit monitoring service notified me on XXXX XXXX, 2016 that a collection was placed on my XXXX and XXXX reports by them. I have never heard of nor from this company and I have never entered into any legal agreement or contract to do business with them. Furthermore ; the debt they claim I owe them was illegally purchased and furnished on my credit file without my consent nor an opportunity to verify or validate debt per FDCPA. The debt has been previously deemed unverifiable and was removed from my credit file due to another illegal purchase once before. I have reached out to them and have asked them to please remove the unverifiable negative item from my credit reports and have been ignored so far. Please resolve the situation as soon as possible. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for a short sale in XXXX XXXX and here we are in XXXX XXXX still waiting for bank approval and a closing date. I have been put under tremendous stress the past 2+ yrs. Bank of America has done nothing right by me. Their customer service is downright despicable and deplorable. One of the owners is a veteran ; to treat a member of our military this way is even more disgusting. We are getting a divorce and want to move on with our lives. BOA is doing nothing to move that process along for us. My file has been bounced from person to person and no one knows what they are doing! I spoke to a XXXX XXXX XXXX last week and was told that my attorney noted in XXXX on XXXX/XXXX/XXXX at XXXX that the buyer was getting a mortgage and pre-qual. This deal from day one was a cash deal and BOA was never told otherwise. My attorney provided me with a copy of an email she sent to the representative XXXX XXXX at that exact time and it did not state the buyer was getting a mortgage! It said the buyers proof of funds were sent to them and that it was a cash deal. How is it that BOA shows something different? I 'm going to say that they altered the XXXX notes to make it look like my attorney was screwing up my file. When in fact she has no admin rights to modify anything in XXXX. This is completely disturbing and unethical! BOA has been dragging this file on for years. I understand the VA needed a year to go through the modification process but we are well beyond that and a short sale should not take this long. I have asked for a copy of the Equator notes and BOA is refusing to release them to me. I have a right to see my file. My file was closed on several occasions as BOA said I failed to provide documents that they asked for. I have complied with every ridiculous request and have sent items multiple times! My attorney follows up daily and also sends documents over and over again. I can not express how horrible this company is! This is the very reason we have so many foreclosure in the US. BOA needs to be held responsible for their illegal and unethical practices! I want a full investigation into falsifying notes in XXXX. I can guarantee XXXX XXXX has the original and true copy of the email from XXXX in her deleted items to prove that either she or XXXX XXXX altered the email to their advantage and prolong my case.

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 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am the co-signer of a parent-plus student loan. My son has yet to start repayment because he has been in and out of employment. We have both contacted Navient to discuss a solution and each time have been steered toward Forebearance. I understand that is a more expensive way of repayment and now the original amount of the loan has increased substantially. I am looking to you to determine how this can be rectified and the how I become a part of the lawsuit against Navient. School attended was XXXX XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
my mortgage company states i did not pay 5 months of my mortgage. I have canceled checks from Selene Finance. I called they would not speak to me. told me to mail or e mail a dispute. Meantime they are refusing my last XXXX loan payments saying is not the amount owed. I have submitted the email with cancelled checks, after XXXX more phone calls - customer service states takes 30 days to even review- meanwhile Selene Finance is putting derogatory remarks on my credit for late payments. This is not the first encounter with this company of fraud attempts to default my loan. unfortunately i am unable to refinance due to this company saying i am behind in payments. This company NEEDS TO BE SHUT down.. I am not the only person they mess with. I have researched numerous complaints very similiar to mine on the internet posting regarding this company. I do understand the CEO of this company once was partner in NY firm and attempting similiar issues. I do hope you can help and eradicate this company, and stop this fraud business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I was put on a program paying {$400.00} an month for 12 months for all my student 's loans including the one I cosigned. Now I called them to check the status of the program and I was told that they XXXX I cosigned was not included. In good faith I made my first payment in XXXX and authorized Navient to take every month the amount of {$400.00} from my debit card every month. How it is that now that loan was not included? And even when I asked what 's lower that the monthly payment could be the representative reluctantly said there 's nothing she could do because the loan is not 90 days past due. They should n't be lying if they know that they ca n't combine the payments for every loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: UT

Complaint narrative:
My Loan Modification finalized after a 3 month trial period, and new loan terms effective XXXX/XXXX/XXXX at which time the loan was to be brought current and all trial period payments applied. Selene Finance has been holding my mortgage payments in a suspense account, not applying them, since XX/XX/XXXX.No Interest has been reported to the IRS for XX/XX/XXXX. 
Selene has also been reporting this loan delinquent since XXXX/XXXX/XXXX. 
Both instances are in direct breach of the loan terms agreed upon. 
This loan was not finalized in a timely manner nor has the terms of the loan contract agreed upon been complied with. 
They have been a nightmare to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc.
State: NJ

Complaint narrative:
We have been trying to negotiate with the holder of our mortgage loan FCI Lender Services in XXXXXXXX but are being stonewalled and given false information while they work to auction off our home we have owned for 50 years. FCI has claimed that since they are a private company that they are not bound by any federal or regulatory guidelines that govern mortgages. Based on earlier complaints we had registered with FCI, they agreed to open a review and issued a denial letter on XXXX XXXX, 2017 ( uploaded ). In the denial they state that they will not use my wife 's income because " unable to count the self employed income due to lack of 2 year history to support the income ). I thought evaluations were based on the current financial information from the last 90 days?? This income is listed on the tax returns, I find it hard to believe that FCI can just discount it and make up a rule that this income does not count because it comes from self employment and they do n't see a two year history??? 

Also in the denial FCI states that there was no type of good faith down payment offered toward the arrears. This is false, we offered them $ XXXX earlier this year in order to get them to work with us. Not only are they denying us access to programs and inventing guidelines as they go they failed to offer us the option for mediation in the state of XXXX, which is required by law. Additionally, FCI has been piling on junk fees for all kinds of things ( inspections, questionable and extremely high late fees ) and also greatly inflated the delinquency due for past taxes and insurance. They claimed that I was so far in debt to them that they could not work with me. I told them that they were required to work with me because the government has programs in place to help struggling borrowers. They told me that they do not have to follow the government regulations because they did not take bailout money and because they are not regulated by the government.

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 2016-01-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
switched from XXXX to XXXX over one year ago, suddenly without legal notice recieved a collection hit on my credit reports from all XXXX major bureaus. When I attempted to find out why, I was given a false answer that i did n't turn in equiptment. I told them that I had the reciept for this and it was working just fine, the service rep for XXXX oh yes, I was correct and that they could n't find out what the money they wanted was from and they would have this removed from my credit reports at once. after 4or5 months it is back in collections with no further explanation. I have called XXXX after 3 months to make sure all bills were paid and they were completely satisfied at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: POPULAR BANK
State: CA

Complaint narrative:
I recently opened an account at populardirect.com, a division of Banco Popular North America. After requesting twice they delete the external account I had linked for transfers and were unsuccessful, I decided to close my account. I 've requested the account be closed and all funds returned to me over a month ago. I 've contacted them approximately 5 times and each time there is some problem why they ca n't close the account. I 've been told conflicting things each time I contact them. For example, I was told they could ACH the funds to another account once the account closure is initiated. Yesterday, on XXXX/XXXX/16, the customer service rep. indicated that they could only release the funds via check after I sign a document which may take XXXX10 days to receive. They are unable to fax/email the document.

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 monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I ended my contract with XXXX in XXXX 2014 and they still charged me a month 's fee even after I switched carriers and no longer had active service with XXXX. I do not owe this amount as my service was terminated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 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: SIMM Associates, Inc.
State: MN

Complaint narrative:
A company continues to call my parents home. They have called several times over a span of 6 months. In the beginning of the call frequency, they were leaving messages looking for someone with my last name. However, the first name was not a member of my family. 

Three weeks ago, the began to call my parents residence again. Now, leaving messages for me specifically. They are clear on all details in most of the details when leaving a message, but slur the name of the company ( Possibly " CSA ) ''. The contact number they leave is XXXX. When I look up the company name or the number online, I can not find any connection to a creditor company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: MD

Complaint narrative:
I have been trying to work out a modification or payment plan with my lender, Selene Finance for a very long time. I had a forbearance agreement in place that the lender failed to hold up their contractual commitments and I have subsequently filed Chapter XXXX to help me re-structure my mortgage debt and save this home. On XXXX XXXX, XXXX, Selene received an Attorney Authorization to work with me on a loss mitigation agreement. Following Selene 's receipt of the authorization, I have called repeatedly to discuss my options with Selene. From my phone number and/or my loan number, I was put into a voicemail box that states that the 'agent handling my account is not available. ' More than two dozen times I received this message and left at least a dozen messages. No return phone call, no letter, no return contact from Selene, which is the way it has been since they began foreclosure proceedings on me. I make good money and can restore this loan if they are willing to work with me. 
On XXXX XXXX, over one month later, I was able to get an agent on the phone by blocking my number, not entering my loan number, and pressing # repeatedly. This agent acknowledged receipt of my Authorization, and said there are no records of me calling. She said the agent handling my account was XXXX and that I could leave her a message, which I agreed to do and did. She suggested that I submit a Loss Mitigation Application, which she instructed was available on Selene 's website. The agent explained that once submitted, I would receive notification within 72hrs if the package was complete, or if there were any additional documents/information required. I promptly submitted this form with all the necessary documentation the same day, XXXX XXXX, XXXX. It has now been 8 days and I have yet to hear from Selene, again. This has been the story for years as they have refused to communicate, refused to honor their contractual agreements, and have blocked any means for me to restore my loan status. It is obvious to me that Selene wants to foreclose on my home, irregardless of my ability to mitigate the loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
XXXX, my job ( entire department ) was eliminated due to centralizing in XXXX. XXXX I used my severance pay to pay my mortgage up through XXXX. XXXX 's mortgage was due XXXX, so I called that same day to discuss situation. I explained it was hard to pay all bills with small, weekly checks, so could pay {$180.00} weekly as I received unemployment pay? They said no, but then they offered no other options or resources when I asked if they had any advice. I did not have the full amount of the mortgage until I received direct deposit on XXXX, I immediately went about making the payment. They locked my online account so I had to call them, they said because I was late I could only pay by phone and yet I would be charged XXXX $ on top of late fee for doing so. Fine, I did so, XXXX payment was made at XXXX XXXX on XXXX but then she went about telling me I had already been reported to the credit bureau for being XXXX days late ... .I was paying on exactly the XXXX day because they refused any other options or arrangements. They made XXXX $ from the situation and damaged our credit. Plus, I explained I had a job, but I started on XXXX and my first paycheck would be XXXX, is there anything they could do to help me and they said to check out a " my options '' website, but my next payment would still be late by XXXX. I asked about modification or determent and was told I did n't qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
In XXXX 2016, I submitted a payment in full for the amount of {$490.00} from my XXXX card. I received a call stating that XXXX did not allow collection companies to charge customer accounts. I called XXXX and they stated there was no reason they would refuse to pay the account was in good standing and credit was available. I submitted {$250.00} from my debit card. I got another call and this time the rep said that they did not accept XXXX cards as payment contrary to the last rep that said they tried to run the card and the authorization failed. This company lied and now it XX/XX/XXXX and this should have all been resolved in XX/XX/XXXX. They are destroying credit by falsely refusing to apply payment. By Illinois UCC the refusal to accept payment for {$490.00} ( the full amount owed ) is grounds for dismissing the debt in the amount of the attempted payment. By law I should owe nothing and they should have to refund my {$250.00}.

Company response to consumer: Closed with non-monetary relief