vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: AZ

Complaint narrative:
We entered into a bankruptcy, and our loan was being serviced by XXXX XXXX. During the bankruptcy, they sold the loan to Selene Finance. Unknown to us, the payments kept going to XXXX and were never picked up by Selene, so our house started to go into arrears on payments. We finally ended the bankruptcy, and had over {$29000.00} in arrears with Selene! We showed them the payments that were made to XXXX, and the payments that were supposedly made to them, but they continued to claim we were at fault. We had to enter into a repayment agreement with them in order to keep our house. The payments were double the regular mortgage payments, and the bookkeeping of how they applied the payments was unbelievable. They even added special " corporate '' fees that we never knew about or received an explanation of. These fees were applied to our loan during bankruptcy, and outside bankruptcy during our repayment. We could n't make sense of how they were applying payments, and each month, the balance of the original arrears seems to go higher, and then drops, and then goes higher again. 
We have broken down our payments, provided proof of payments, and even put together a spreadsheet outlining our true arrears. They ignored us. We called several times, and after a while we started to get automatically transferred to a voice mail box. Now after reading all the other horror stories we are worried that even after our repayment plan is done, will they come up with another method to try and make us lose our home? The mortgage statements do not reflect the payments we are making. 
During our bankruptcy we were not allowed to contact creditor and statements online did n't reflect. They did not follow the below rule : New rules effective XXXX XXXX, 2014 require that if mortgage lenders provided monthly statements before a case, they must continue providing statements during the bankruptcy case. These rules were promulgated by the Consumer Financial Protection Bureau ( CFPB ) pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act. 

What were afraid of even after we go through this payment schedule. Are they allowed to make up new fees and we still end up losing our home. I say that because of the phone the harassing phone calls were receiving and mortgage statement that go up and down consecutively

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 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: SC

Complaint narrative:
Reporting on Credit Reports for original creditor XXXX. I have no knowledge of this account and keep disputing. They have no proof of any kind of signature or me authorizing any purchases made for this account. And keeps reporting negative on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Collections Services, Inc.
State: SD

Complaint narrative:
I purchased XXXX months of medical insurance and it covered everything but a XXXX co-pays in XXXX 2014. This was was single coverage between XXXX jobs. Several months later I received a letter from collections for over {$300.00}. It appears the medical clinic lost the right information from my insurance and decided to bill me directly. The collections company is suggesting this is my fault even though I sent them proof of the coverage that and proof of payment for the coverage. I am not sure what I did to get this sort of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: POPULAR BANK
State: NY

Complaint narrative:
, Big problem here. Went bankrupt in XXXX, discharged, home not reaffirmed. My Uncle lived in it until his death in XXXX. I have been trying to negotiate with bank ; it is a Home equity loan only, no first mortgage. They first accepted a offer and I was ready to go but my attorney never got back to me in time, then the person I was working with left the bank for another job. 

Fast forward to today, I again made the same offer, they will not accept, will not foreclose, will not deed it lieu ... nothing. The house is in a very, very crime ridden area, run down and will be worth nothing soon. I am at my wits end, I am on XXXX and I try to keep up property, taxes and insurance but it is hurting me badly and I have fallen behind on taxes. The Mortgage Company is holding me hostage. After the Bankruptcy attorney never followed up and caused this problem I have not spoken to him since, I was very upset. ( Especially when he tried to charge me for doing nothing ) My question is, what can I do? Do you know someone who could help? Do n't I have any rights? 
Please let me know what you think, I appreciate any help. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Alaska Cascade Financial Services, Inc.
State: WA

Complaint narrative:
This is the statement I sent to the Collection Company. It sums up the situation ; First of all this case is from XX/XX/XXXX. If. You Alaska Cascade have owned it since XX/XX/XXXX why am I just know hearing from you? 

You have an obligation to attempt to collect on debts. I have request twice from you and or Alaska Cascade to provide if any attempts to collect this debt. But, you are unable to provide any proof. I have NEVER received anything from you regarding this debt and I have had the same mailing address for over 10 years. Nor, has this debt EVER been reported to any of the XXXX collection agencies. I would have like to have been contacted at anytime during the last 9 years so I could have paid this debt. 

You also state that you find it hard to believe I am unaware of this debt since it was part of a XXXX case. Again, this case is almost XXXX years old and I did receive a statement via e-mail from the XXXX County Court stating that this case and the judgment were satisfied in XX/XX/XXXX. So, I am sure you can see my confusion with getting such a statement from the court and for having never been contacted that the debt was valid and Alaska Cascade was looking to resolve the debt. 

With all of this confusion and Alaska Cascades inability to provide any proof that you have ever ethically attempted to collect this debt at any time in the last 9 years I feel it would be fair if I be allowed to pay the debt and have the interest removed. 

Please understand that if we are unable to come to an agreement I will be forced to seek further action on this as I do not feel that you have held up to your obligation as a Creditable collection Company. You can not just sit on a debt and collect interest for almost 9 years and not allow the debtor to make right by what they owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: IL

Complaint narrative:
I am unable to reach anyone at the mortgage company for a month all I wanted to do was add my homeowners insurance to my Escrow account. Even my insurance company has stayed on hold over two hours and been unsuccessful in reaching anyone.

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 2016-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: OK

Complaint narrative:
Essentially what happened beginning in 2009 we had just completed a loan refinance on our house through XXXX XXXX XXXX XXXX. About two weeks after we closed on the refinance we began getting phone calls from XXXX XXXX XXXX and did n't know why only for them to inform us that XXXX bean had been shut down by the government, and that XXXX XXXX XXXX was going to be taking over our loan. They in mediately told us that we were behind at least XXXX payment which we could not figure out why because we had just refinanced. During this time XXXX being was telling us to continue to send them payments as well as XXXX XXXX XXXX saying to send payment to them. 
so for at least XXXX maybe four months we did not send the payment in to anybody and then we finally conceded to the fact that we should just send it to XXXX XXXX XXXX everything went downhill after that we tried to get caught up on those XXXX payments and they continued to not honor the refinance that we had done in 2009 with TBW. into XXXX XXXX XXXX XXXX XXXX decided to foreclose on us. we ended up getting an attorney who was absolutely no help because he decided to start running for state representative where we live. We tried twice to get a modification from XXXX, and they refused. We did n't know why! We kept trying! They finally agreed to a trial payment period! We paid XXXX trial payment and they immediately sold to Selene Finance! That led to another load of issues. XXXX said they could n't speak to us anymore, it was all selene 's! We kept making said trial payments-we were to make XXXX, we made XXXX! When I called to make a XXXX payment they REFUSED payment! They also insisted they had NO MODIFICATION info from XXXX!!!!! 
And now we are still facing losing our home!! Selene has sent us 'statements ' for the last year and a half. NO ONE ABIDED BY OUR REFI OR MODIFICATION!! They are trying to steal our home from us!! The trial payments we made? We 're {$200.00} MORE per month than our reg house payment EVER was!!!! 
THEY ARE WRONG AND NEED TO BE STOPPED!! I have been physically ill off and on since this all started back in 2009!!!!!! 
I fear my health will get worse or I will have a mental breakdown because of all of this!!! 
No one should have to deal with XXXX like this!! And it all goes back to our refinance never being honored in 2009 when XXXX took over for XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: NC

Complaint narrative:
My name is XXXX XXXX and on XXXX XXXX, XXXX I was injured on the job. Since XXXX XXXX, XXXX I have not been working and only receive workers compensation checks of {$330.00}. My workers compensation lawyer, XXXX XXXX XXXX has sent XXXX XXXX a letter explaining my financial situation and my income. I have lost my vehicle, home furnishings and anything I had of value to try to pay my mortgage. 
On XXXX XXXX, XXXX I made a payment of {$810.00} to a Representative named XXXX my confirmation number was XXXX. I have been watching my checking account daily for this to come out of my account as I live day to day and keep a very close eye on every penny. Today I called and spoke with XXXX and asked about the payment I made on XXXX/XXXX/XXXX, she said that it had been deleted. Much to my surprise I asked why and she could not give me an answer. I asked if I could please make that payment again and to please note my account that I had made the payment on XXXX/XXXX/XXXX. 
I suspect that the payment was deleted because when I first tried to make the payment on XXXX, I spoke with XXXX and he would not accept my payment because it was only a XXXX month payment and he said that per their policy he needed me to pay two months. I told him that I couldnt pay two months as I cant forsee if I will have {$810.00} by the end of the month. I tried explaining to him numerous times that I am due a settlement here very soon and plan on bringing the account up to date. I asked to speak with a supervisor and while on hold I hung up and decided to call back and speak with someone else. When I called back and spoke with XXXX she immediately took my payment without a problem. 

This company calls me at least XXXX times a day. I block the number and they call from a different number. They send people to my house taking pictures and leave notices on my door. I have confirmed that I still live in this house and to not come back on the property and not to be taking pictures, however, they still do it on a monthly basis. Just a few days ago the man who came out here was armed with a weapon on his hip. I told him not to come back on my property. We have received up to XXXX letters a day from them. It 's ridiculous. 
I am paying Selene a payment every month, they will not take partial payments, or anything. I have explained over and over my situation. I dont like being behind on payments, and I have only 2-3 more weeks to go and everything will be fine again. I just want them to take my payments and stop harassing me. Besides a letter from my lawyer and me telling them what has happen to me I dont know what else to do. 

Thank you for taking the time to read my problemXXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: NC

Complaint narrative:
CREDIT CONTROL MADE ME APAY AN INCORRECT AMOUNT THAT WAS OWED AND PUT IT ON MY CREDIT ALTHOUGH I PAID THIS OFF. I WAS BEING TOLD NUMEROUS OF TIMES THAT THIS XXXX WAS MY BALANCE OWED. I REPEATEDLY TOLD THEM THAT THIS WAS NOT WHAT I WAS OWED. TEY INSISTED. EVERYTIME THEY CALLED I DIDNT HAVE THE BILL BECAUSE I WAS AT WORK AND DIDNT HAVE TIME TO LOOK FOR IT BUT NOW ITS BEEN FOUDN AND AS YOU CAN SEE I WAS FORCED TO PAY AN INCORRECT AMOUNT AND THEY STILL PUT IN ON MY CREDIT AND MADE ME PAY THE INCORRECT AMOUNT IN FULL. I WANT MY MONEY BACK OWED AND THIS " COLLECTION '' TO BE REMOVED FROM MY CREDIT REPORTS ASAP OR I WILL TAKE FURTHER ACTIONS AND REPORT THEM TO THE XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Montgomery County Credit Bureau
State: TX

Complaint narrative:
This collection agency got my medical information and should n't have. I signed statements on this account they have on file that the account was n't mine. 
They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They XXXX called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information in error. No collection agency should have been given my medical financial information. 

This company has filed an account on my credit report, even though I disputed this account, yet it stayed on my record and they continue to harass me every day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Oxford Law, LLC
State: CA

Complaint narrative:
Oxford Law Group LLC has been harrassing me and my family. I was contacted by Oxford Law Group by a man who identified himself as an officer, even gave a fake badge number. I was called a looser on the phone. They told me that if i did n't pay my debt on the phone immediatley that a warrant would be issued for my arrest. Prior to yesterday, i have recieved no contact from this agencey. They aslo called my dad and my sister, identifying themselves as police officers. They told my sister that if she did n't give them my address and phone number she would be charged with a crime. They also pressured my father to pay my debt over the phone to " keep me out of jail ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23 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: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I received correspondence by a debt collector to collect a debt that is not mine.

Company response to consumer: Closed
Consumer complaint received 2015-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I was XXXX for half the month and there was a hole in my wallet come find out later and I know that y atm debit was in there too not even thinking but not memorizing it as it was a newer pin. I believe I lost it somewhere around the home possibly taking y dog for a walk. I used to carry a check book in my bank account and that most likely could of fell anywereas I do find it everywhere. I have not been able to drive a truck in a month because it is broken and I dont have the money to fix it. this banking manager said three days it would be on my account. I WANT MY MONEY I DESERVE FROM GETTING INJURED IN THE MILITARY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
this is a continuation of complaint number XXXX after 3 attempts to get Bank of America to refund the XXXX cited in the previous complaints, the money was returned to me via a credit memo : XXXX/XXXX/2015 XXXX/XXXX/2015 Credit MemoXXXX for check number XXXX. 
XXXX XXXX $ XXXXThis is the money that Bank of America claimed they had not received on three occasions. The XXXX was instrumental in obtaining the refund and I have nothing but high praise for them. Regards Bank of America, their adamant denial of not having received the money was simply not true. I sent copies of the back and front of the check and they STILL maintained that they had not received the funds. I still feel that Bank of America collected on an account already paid in full and their denial of receiving and entering the payment is a violation of good business practice and the fair credit act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
I got a title loan with loanmax in XXXX Ohio on my Scion tC, they called and told my husbands boss that our car was going to be repoed when I was unable to make the payment, they did n't verify who they were speaking to before telling our personal information.

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 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have contacted Navient about consolidating my loans early because they were showing not in deferment before I start payments in XXXX 2017. I asked about what possible payment arrangements can be arranged and I was refused information about my loans. Then they have multiple inquiries for the same day for the XXXX different amounts which is really hurting my credit score with the credit bureaus. I have requested documentation to show mortgage lenders to purchase my first home but never obtained it from Navient. They are insufficient when it comes to providing the lenders with the appropriate documentation that is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: PA

Complaint narrative:
I am a XXXX graduate from XXXX XXXX, where I obtained a XXXX. XXXX/Navient has made it nearly impossible to pay a more affordable monthly payment. I became divorced in XXXX, which resulted in my income cut in half. I had to file bankruptcy in XXXX, and i was unable to afford my monthly payment at the time. I also lost my job in XXXX, and they refused to offer me any grace while I tried to find a job. I was unable to pay, and my co-signer who is my mother is XXXX. They attacked both of our credits and harrassed us up to 10 times a day. At one point they stated that by law I had to enroll my account in auto draft, when they took several payments out of my account without my permission over a course of 2 weeks, sending my account negative hundreds of dollars. They made me complete forms in order to receive my money back and it took several weeks. I am a single mother of XXXX children, which created for an unlivable situation. They also have made it impossible to consolidate to a lower rate, since my accout was delinquent in the past. Although, I realize I am responsible to pay back my loans and I am willing to do so, I am unable to afford the monthly payment at the rate they insist can not be changed according to my salary. Whenever I call them, they tell me something different everytime. They are never ever consistent with any of their answers. They are a horrible company that was literally created to make people 's lives a living nightmare. Please help us!

Company response to consumer: Closed with explanation