vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: FL

Complaint narrative:
My wife is XXXX and I am XXXX years old ; we are forced to leave our home by XXXX XXXX, XXXX. The finance company that bought the mortgage has refused to refinance our mortgage ; they mislead us and dragged us along since XX/XX/XXXX. We have been requesting them to refinance the mortgage at the current market price since XX/XX/XXXX ; they played us and kept on asking us to provide paperwork package, we have done what they asked for approximately XXXX times and every time they led us to believe that they will refinance if we submit the paperwork. The only response we got from them, every time we submitted, is that the paperwork is not complete. They never said what was missing regardless to our repeated inquiry of what was missing - they never answer that. They asked us to resubmit again and again, but to no benefit. And now we are going to be on the street ( literally on the street ). My wife and I have always been hardworking couple and we are still working till now. Please allow me to emphasize once more, my wife is XXXX and I am XXXX. We both in good health. We bring in sufficient income to be able to keep our home if they give us our right to refinance the mortgage at the current market price. 
So please we need help ASAP - we will be thrown out of our home by XXXX XXXX, XXXX. 
We solicited legal assistance from an attorney, who also saw no reason for the finance company ( the mortgage holder ) not to refinance the loan and keep us in our home, which we lived in since XXXX. 
We urge your help ASAP - Please .. Please .. Please. 
Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: POPULAR BANK
State: IN

Complaint narrative:
To my surprise, on XXXX XXXX, XXXX, I received a credit score alert stating that my account with Popular Community Bank was delinquent and that my payment was 90 days late. I have never made a late payment on my account with Popular Community Bank, actually, I usually pay off the balance on my account at the end of each billing statement. I have endorsed checks as proof that my payment was received by Popular Community Bank and processed by them on time. As a matter of fact, I sent 2 separate checks during the month of XXXX for my XXXX payment- the above account is in reference to this payment. I sent the first check in the amount {$3200.00} to pay the balance in full and the second check was a {$10.00} payment to avoid any additional fees. Although my first check was received on time, Popular Community Bank did not post it until weeks later and this mistake has drastically affected my credit score. I have spent more than 5 hours on the phone with Popular Community Bank trying to correct their mistake. I have been given the run around, and then told I need to speak with a bank supervisor, who is conveniently not available at the moment. I also emailed 2 different representatives during the months of XXXX and XXXX, and after speaking with them- with a copy of an endorsed check, nothing was done until XXXX XXXX, when in my XXXX Credit stated that the payment was received, but this check was endorsed by Popular Community Bank on XXXX XXXX, XXXX, ( please see attachment from bank ). This mistake has not been reversed with the credit bureau and is presently affecting my score, which I have always striven to keep impeccable. Every time I have called customer service I am spoken to in XXXX ; although, I have continually asked to be addressed in XXXX, the bank representatives still speak to me as if I am an ignorant immigrant. I believe if they address me in this matter, they are also taking advantage of other XXXX customers that may not have the same understanding/education as I have. I am fluent in XXXX and XXXX and I 'm perfectly able to understand the difference between customer service and plain disregard for important information. It is now, XXXX XXXX, and despite many phone calls and emails, this is still inaccurate on my credit report which has greatly affected my credit score. I have copies of all the emails, statements, checks, and reports. I have filed a complaint with XXXX because Popular Community Bank has failed to help me. Popular Community Bank needs to correct my credit score with XXXX, XXXX and XXXX I have attempted many times and spent countless, unnecessary hours trying to correct Popular Community Bank 's mistake- and yet they have failed to reverse it and restore my original credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Selene Finance LP
State: NY

Complaint narrative:
Well, they 've all come out of the woodwork since we 've filed chapter XXXX - XXXX ( atty for all ) ; XXXX, Selene Finance, XXXX. All trying to get a piece of the pie. As I 've informed you in prior correspondence, this mortgage was fraudulent from the " getgo ''. Charges on my mortgage statement were unverified ( i.e., no trustee ( non securitization from XX/XX/XXXX thru XX/XX/XXXX ), no deliverance of deed ; no title policy, and an impostor posing as the lawyer of record for closing ( a letter should be in your file from the closing atty reading he was not present at the closing and he denies the signature being his - FRAUD ). I 've tried over the years to explain these fraudulent acts to XXXX, Selene, and now XXXX ( though we have not received anything personally from XXXX and no Assignment is listed in the county clerk 's office. ) The only letter I received with anything to do with XXXX was a letter dtd XX/XX/XXXX XXXX, which I received last month - XX/XX/XXXX - copy of envelope attached ). As you can read on the letter, my address is erroneous ( XXXX ). They also have me address on another letter from XXXX, representing Loancare, dtd XX/XX/XXXX as my address being XXXX. I guess I reside at the courthouse. No wonder I had a visitor at my door trying to get in because she was told by XXXX or XXXX that the home was empty - LIARS. How can you turn acts that are illegal, and try to make them legal. Perhaps the courts turn a blind eye. We feel we should have been granted a " RESTRUCTURING '' of the Mortgage because of the numerous scratches & dents, yet these entities refuse to work with us. After XXXX duped us into a fraudulent Forbearance and scammed us into thinking we just might get the new payment, they ripped that rug from under us when at the end of it, demanded all monies, even though our situation had n't changed. Mind you, this Forbearance money we paid was deemed " unapplied '' and the fees just kept on coming. What a racket!! We wish we truly knew whom owned our Mortgage - they all send us that one page from the mortgage contract and a copy of the non-wet Note. I have attached letters from all three entities ( I believe XXXX is also probably an investor since he seems to represent them all ). XXXX tried to foreclose in XXXX ( when securitization actually took place ), to no avail ; then they tried again by substituting Selene ; but for some reason the court denied it. Btw, it was not an " arms-length '' transaction. These entities want to lay claim to collateral that none actually paid. Criminals. I guess Selene is trying to clean it all up. See you in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 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: RI

Complaint narrative:
Purchased hot spot device for Internet service.Was never able to get signal because of my location.Company said they would send " booster '' to help. Still had problems. When I payed bill I found out from sales rep my location should have been checked before selling me device. I have moved and can not find " boosters '' that I was never told had to be returned. Company billing me XXXX. When I spoke to someone ( in XXXX! ) they assured me matter would be taken care of. Recently applied for a loan and was denied because of this debt in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: FL

Complaint narrative:
I received the response to my prior complaint ( XXXX ) and after reviewing the documents the status of my complaint remain the same. Selene Finance sent the XXXX set of loan modification documents with changes to a few pages. The XXXX set were clearly the ones that were never sent out because not only did the dates reflect it Selene Finance did n't take the time research the title/deed to show XXXX XXXX was no longer listed on the property. The second set of documents that were sent only changed the first page without making all of the changes. The third set reiterates what is obvious about XXXX XXXX. There is no need to mention XXXX XXXX in any of the documents! I have made it clear that XXXX XXXX is no longer affiliated with this property which is something that Selene Finance should have known before they sent out any paperwork. The documents are still reflecting XXXX with the XXXX payment being due XXXX XXXX. I attempted to contacted Selene Finance several times ... the line is always busy! After not being able to reach anyone I returned the entire package to Selene Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 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: NY

Complaint narrative:
well i paid everything i owed in XXXX and then i left the line and i called the next day and they told me my balance was {$0.00} after 2 months they send me a letter and telling me u own {$620.00} and i wanted to know why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Echelon Financial, Inc.
State: FL

Complaint narrative:
This all started on XXXX. A Company called My Score took money out of my bank account for something that I did n't order. How they got my # I do not know. So I went to my bank and cancelled my debit card. I then called them and cancelled what ever. They said my money would be back on my account in XXXX 5 days. This happened XXXX 5 times and when I got my new card, they hit it again. After 11 phone calls, I finally got an address where to write them at. Same old you 'll have your money in XXXX 5 days. After I wrote and got no reply, I contacted the XXXX. They said they would look into it and if I did n't get a reply to contact you. It was n't so much the money. Only {$79.00}, but it caused XXXX overdrafts on my account. That was another {$72.00}. The Company I wrote to was Golden Score LLC, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Ph. # XXXX. Maybe that will do it. Very Respectfully. XXXX XXXX XXXX XXXXXXXXXXXX Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: FL

Complaint narrative:
For the past 14 months Selene Finance has not been accurately reporting payments they have received. We have been paying them on time every month, and they have been sending delinquency notices to each credit bureau. They also claim that we owe XXXX dollars when in fact they are holding it in a suspense account and are not applying the funds the way they should. When we call them to rectify the situation, which are monthly calls, we are told it will be 30 days before we see the problem has been corrected. 30 days has come and gone 10 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Was requested for 2 month deferment on loan for XX/XX/XXXX & XX/XX/XXXX loan payment. I advised that had scheduled date to return to work on XXXX 2016. Due to nature of restrictions to return to work, I was unable to work to this date. I received a call XX/XX/XXXX from a gentleman advising that extension was approved, and that an extension letter was sent out. I requested for a the letter to emailed or faxed to see the terms & conditions immediately & he stated not to worry about it was mailed out.. In addition, I requested for months to add XXXX insurance & change my payment due dates because my current situation which is only temporary .. My car has been repossessed as of XX/XX/XXXX, they revoked the 2month extension, now requesting {$2700.00}, which includes 4 months of a payment 0f {$490.00}, {$240.00} late fees & {$530.00} repossession fees, re-registration of my car & $ 35 day in storAge.. An car is mandatory where I reside, especially to get to doctors appointments & place of employment .. I need my extension to be restored, along with Late fees & this repossession fee as long I agree to cover the payments for XX/XX/XXXX & XX/XX/XXXX .. In addition to changing my payment dates to the XXXX of the month.. I can find a way to stay on top of my payments & do what I need to do to ensure I will no longer default on the Loan..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CHECK INTO CASH INC.
State: MO

Complaint narrative:
Loans by Phone a subsidiary of Check Into Cash deposited a {$300.00} loan into my checking account on XXXX XXXX, 2016 without my authorization. I never applied for a loan from this company. If any interest is taken out, I will pursue fraud charges against this company. My bank has already been informed of this situation, and the account will be cancelled when Check Into Cash debits my account. As I am currently in a chapter XXXX bankruptcy, I am also informing my attorney about this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
XXXX XXXX contacted my husband via phone in regards to a credit card balance we owed stating they could reduce the amount owed by 60 % and we would only be paying 40 % of the balance. They made the offer sound so good he could not refuse and he accepted. He was told at the end of 24 months he would be debt free. 

They started drafting the payments from my checking account and my husband gave them permission to speak with me in regards to any questions I had. Somewhere around XX/XX/2015 they suspiciously stopped drafting my account and I was advised to continue paying via paper check. 

It took an act of congress for me to speak with a live person. I have archived emails that I sent to them that we received from the creditor. Sometimes we would receive a response other times the emails were unanswered. 

I finally gave up and told them I wanted all of our money back ( after making payments for 2 years ) and then the nightmare began. I was told by XXXX ( supervisor ) we could not get our money back because they were close to settling the debt and to continue sending the payments. 

Unfortunately, I did continue sending payments even though no actions were being taken to reduce this debt. Papers were served to my husband at home ( yes he was sued ) and now we are out of XXXX of dollars and still owe the creditor. 

These people are crooked thieves making a living off of unsuspecting innocent people. 

I have a paper trail of emails that I 've sent and received. I was able to save {$330.00} that I actually did a stop-pay on the check as recent as XXXX/XXXX/2015. 

People beware of these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I hired a public defender and was required to pay XXXX dollars. I filled out a form that they say was never received to give me an extension due to no work or reduced hours. I tried resolving this with the company and even called someone in the courts. Now because the time elapsed I owe XXXX dollars and this is on my credit report. I told them I have no problem paying the XXXX or even half of the XXXX, but they would not work with me. The collection company is called State collection services in XXXX, WI.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I paid by bank wire transfer on XXXX/XXXX/XXXX to purchase a XXXX XXXX XXXX XXXX Custom guitar and received via United States Postal Service, a XXXX scale XXXX Melody Maker guitar instead. XXXX XXXX ( XXXX are sellers aka XXXX XXXX ) admitted the guitar sent was wrong & said he would correct the mistake but never did. I expected to received the guitar I contracted for ( XXXX XXXX XXXX XXXX Custom with original hard case ). I received a different and inferior guitar in quality and monetary value.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ESCALLATE, LLC
State: NV

Complaint narrative:
I have sent several requests to Escallate Inc. per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company which has well surpassed the 30 days allowed by law for a response.

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 2015-05-27 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: IL

Complaint narrative:
Southwest Credit has been reporting a debt originally owed to XXXX that I do n't owe. I have tried disputing this several times directly with them, and the credit bureaus aswell. my last attempt was on XXXX XXXX, 2015. I honestly do n't think they are even reading the supporting documents or my letter. I received a response from them on XXXX XXXX, 2015 that '' once again they have updated my account accordingly '' Southwest Credit or comcast have yet to prove that this debt is owed to XXXX. I have clearly outlined in my supporting documents that I do n't owe this debt! Ive requested supporting documents from both XXXX and southwest validating what they claim I owe, and they have yet been able to do so. I 'm hoping you can help me put this debt to rest. Thanks in Advance for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 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: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
I have attempted to contact the company to clear this debt and gotten no response. I believe it has been cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Golden State Collections LLC
State: CA

Complaint narrative:
Hi, I found a collection debt on XXXX XXXX and wanted to pay it off. I 've called the collection company twice now to ask for the bill, so I may pay the debt. The XXXX person I talked to said she will send via mail and the XXXX person I spoke to said they 'll have to figure it out and that the XXXX person should n't have told me they would send a bill. I am not sure why they are withholding the bill but I would like this off my record as soon as possible. It has been a month since my first contact with them. How do I pay this off?

Company response to consumer: Closed
Consumer complaint received 2016-12-12 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: Universal Fidelity LP
State: IN

Complaint narrative:
COLLECTOR KEPT CALLING MY FAMILY AND AT WORK 16 TIMES IN 30 DAYS AND BILLING FOR A DEBT NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Union Home Mortgage Corp
State: MI

Complaint narrative:
I have a escrow account and my mortgage company did not pay my XXXX winter taxes and now they are over 6 months late

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