vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: CO

Complaint narrative:
On XX/XX/XXXX, I received via mail a letter package of frivolous letters dated XX/XX/XXXX and XX/XX/XXXX, along with documents that Selene has had since XX/XX/XXXX that allegedly they claim they did n't received and/or missing pages which prompted my first complaint in which Selene continues to falsely claim they did n't received pages and/or missing pages to the new, pages not readable. This is unacceptable and I am asking that this matter be properly investigated as to Selene 's blatantly attempt to prohibit the sale of the property. As I stated in my complaint, case number XXXX, on XXXX XXXX, 2016, Selene is intentionally prohibiting the sale of the property in which Selene has had a legally executed real estate sales contract for the property since XXXX. 
Moreover, on XXXX, I spoke with XXXX who serves as a Selene Customer Service Representative. It was confirmed by XXXX that the documents my Realtor, XXXX emailed to XXXX again on XXXX, via XXXX letter of " short sale '' dated XX/XX/XXXX, was received on XXXX and XXXX confirmed the documents were readable and she would send an email to XXXX XXXX to call me ; needless to say, she did not return my call ( XXXX recorded conversation of XXXX ) in which Selene states their calls are recorded. 
Once again today, my realtor XXXX XXXX has emailed and faxed these same documents per XXXX XXXX 's letter of short sale dated XX/XX/XXXX. 
These frivolously letters and the falsely claim of not receiving pages and/or missing pages to the new, pages not readable is unacceptable and I am asking that this matter be properly investigated as to Selene 's blatantly attempt to prohibit the sale of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address XXXX issues that should be updated and corrected per the information contained in the BofA letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off XX/XX/2012. There should be no other charge off information noted to the account other than XX/XX/2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( XX/XX/2012 ). It would appear that this has had a direct impact on my reduced FICO scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off XX/XX/2012 and not recently as well as {$0.00} balance owed ). Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: GA

Complaint narrative:
Selene Finance is two months delinquent with our Escrow refund after we left the company ( also due to their terrible service ). We received a letter stating the refund was sent on XX/XX/XXXX, and have called them over 10 times since then, assured each time that the payment would be remitted. They will not disclose to us what notes have been taken on our file, and are not remitting our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ESCALLATE, LLC
State: NY

Complaint narrative:
Called repeated all day long from XXXX-XXXX, the phone rang at least 10x a day. This has gone on for months and months. I called to payoff the medical debt, however, they collected it, but my phone still rings via robocall. I have excellent credit, but the calls started after one month of a doctor 's office visit. 

Escallate LLC Professional Services Address : XXXX XXXX XXXX # XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: State Collection Service, Inc.
State: MD

Complaint narrative:
I never received early warning notice from collector. I called the collection agency and they I advised them that one of the bills was never sent to my health insurance, the young lady stated that they sent It to XXXX XXXX, I explained to her that I had XXXX at the time and provided the insurance information. She stated that they will not remove it from my credit report but will bill the insurance company and it may get denied for timely filing and if so then I will have to appeal it with the insurance company. I explained to her that they have 365 days from the date of service to send a claim and that at the time I went to the hospital I provided my insurance card and the hospital still submitted the claim to the wrong insurance company. I also told her that I never received and early warning notice in reference to neither of the bills, therefore not giving me a chance to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
The account that says I owe {$310.00} has already been paid. I no longer owe this because I paid it directly to the hospital. Further more there is a HIPAA violation and I never approved for a third party to access my families medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
Dear Officer, the original creditor, XXXX XXXX XXXX, never submitted a statement nor any reminder for a medical service provided to me on XXXX/XXXX/XXXX despite other similar statements were duly received, including a statement dated XXXX/XXXX/XXXX related to other services also provided on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, while at XXXX XXXX XXXX for other services, upon my suspicious that something was wrong, I checked the account in person and paid the amount due of {$590.00} of which I hold a receipt. Today, I received a letter dated XXXX/XXXX/XXXX from State Collection Service requesting a payment of {$590.00}. In addition, please note that XXXX XXXX XXXX has yet to provide a statement for the XXXX/XXXX/XXXX service and for services at a later date, making me suspicious that this is a recurring practice. Please investigate into the practice of both XXXX XXXX XXXX ( not sending a statement, not sending a reminder, selling an already paid debt or not cancelling it after accepting a payment ) and State Collection Services Inc. ( trying to collect an already paid debt, potential links to XXXX XXXX XXXX bad practice of not sending statements and whatever else you may find ). 

Best Regards, XXXX XXXX, Husband and financial guarantor for XXXX XXXX State Collection Service Inc. Client Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 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: The CBE Group, Inc.
State: VA

Complaint narrative:
I got a call from CBE Group about a XXXX debt I owe somewhere in XXXX and I live in Virginia. I have only been in the States since XXXX 2015 and this comcast account has been opened for well over 5 years according to the caller from CBE Group. Even after explaining that this is not mine and have other addresses listed on my credit report which I do n't recognize, CBE Group still went ahead and put this on my credit report. I have been denied several credit applications because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Oxford Law, LLC
State: FL

Complaint narrative:
Debt was handled in 1999 and has been solved to many collectors over the past 15 years. I have explained this to each one they are buying dead leads.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cheadle Law Firm
State: TN

Complaint narrative:
I was sued my XXXX University for XXXX loans. I loss the case due to an incompetent lawyer. But my complaint is against apposing attorney XXXX XXXX who represented XXXX. Atty.Cheadle has harassed me with illegal depositions and my best friend as well. I have filed with the XXXX which governs attorney 's. I have also filed a lawsuit against XXXX XXXX and Atty XXXX XXXX XXXX because she took a deposition illegally. The depositions are conducted without a Court Reporter. It is illegal as well to gather data from myself and XXXX XXXX. I have just filed a loan paperwork for falsified loans. In court I loss because my attorney did n't send the exemplars to the handwriting expert and Attorney XXXX asked the handwriting expert to go ahead and make a decision without my writings. My attorney sent them late and the Court had already made a decision. I am writing this complaint to complain about the harassment after the hearing. Cheadle Firm and Law has completely ignored the law and I do not believe that I am the only one the firm practices this unlawful acts upon. I am seeking help asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
loan max of XXXX ohio has been told not to contact me at work ( DNC ) per my manager per myself. They have called me at work twice now after the DNC was requested and to my knowledge its against the law.

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 2016-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Netspend Corporation
State: ID

Complaint narrative:
I had someone use my debt card in another State fraudulently. I filed a dispute and sent it via the companies guidelines through email to their disputes department. It was XXXX XXXX, 2016. I was told I would get a provisional credit until they finished their investigation. As of XXXX XXXX, 2016, I did not yet get a credit in any manner to my account. I have no money to buy food and pay bills. I have accrued addition late fees for bills to amount {$100.00} in total because of their delay and breach of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Netspend Corporation
State: ND

Complaint narrative:
A company called NetSpend has twice sent me a debit card in the mail that I did not ask for. From what I understand, they gather people 's personal information, create a debit account in their name, and send them a debit card in the mail. The debit card had a phone number to call to activate the card, but said to just ignore the offer if I did not want it. It bothers me that a company opened a financial account in my name that I did not ask for. No, I did not activate the card, but I believe they would have had to create an account beforehand to be able to send me a card in the mail that was ready to be activated. I think this practice should be illegal. And I believe that it could increase identity fraud if there are financial accounts being created in my name that I am not aware of.

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: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MVBA, L.L.C.
State: TX

Complaint narrative:
I was born XX/XX/XXXX the hospital bills are from XX/XX/XXXX. When I called and told them I was a minor at the time and I could not be held responsible, they told me to write a letter to them disclosing my mother name and address and telephone. I was XXXX years old XX/XX/XXXX. There is no way I could of signed for anything legally at that age.

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 2016-01-11 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I had both a checking account and a money market account with Huntington Bank. I transferred the money from my money market to my checking account and then wrote a check in order to move the money to another bank with higher interest rates in XX/XX/XXXX. I then requested that the accounts be closed. My checking account got closed out but the money market was left open. In XX/XX/XXXX I was charged a $ 20 monthly maintenance fee. I spoke with a man on the phone who said he would take care of the fee and have the account closed. However, I was charged another maintenance fee in XXXX and then I was charged XXXX extended overdraft fees of {$25.00} each in XX/XX/XXXX. Someone from Huntington called me and I explained things and they stated they needed to talk to their supervisor. I never received a call back. I called Huntington on XXXX/XXXX/XXXX and spoke with Customer Service. They said they would file a complaint for me and someone would return my call within 15 minutes, but that I needed to call on Monday and talk with an Account Closure rep. No one ever called me back. I called on Monday XXXX/XXXX/XXXX and the man I spoke with was n't able to help. I asked for a supervisor and after waiting 20 minutes on hold, a supervisor who would only give the name of XXXX, said she could n't help me - I needed to be transferred to customer service!! 
I said I would not be put back on hold and requested a call back. She said this was not possible. I was not able to hold any longer. Obviously, I just keep getting a big run around. I want my account closed out and all these erroneous fees removed. I also want to be sure that nothing is reported to a credit bureau

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vital Solutions, Inc.
State: NC

Complaint narrative:
Vital Recovery Services has called me at least XXXX times. I spoke with a manager who informed me that the calls were in error and they were managed by basically a " robot ''. She promised my number would be removed. My number was not removed so I called again. I spoke with another person who assured me there was an error and that my number " was n't even on their books ''. I 'm still being called daily ( often twice daily ). This is disrupting my life and business since my phone is a critical part of my business as I 'm self employed. 
Vital Recovery Services- XXXX

Company response to consumer: Closed
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RAYMOND JAMES BANK
State: NY

Complaint narrative:
We have become the victim of banking bonanza.Since 2008 we have tried many times to modify our mortgage to no avail and it is in foreclosure status, it is in court and we are helpless as both the debt collector and court is not doing anything to resolve the issue as we are eager to reside and keep our property.Time is going on and our debts increase as the collector does not accept payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 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: TX

Complaint narrative:
I tried submitting extra payments to my account and was unable to get them properly applied to the loan that I specified. Navient equally split the extra payment across my three loans as opposed to applying the amount to the account with the highest interest that I was trying to pay off first. The staff at Navient was extremely unhelpful in getting this corrected. 

After a while, I finally got sick of Navient and decided to refinance. Based on the billing cycle, I ended up overpaying my loan. Getting Navient to refund the overpayment was difficult and took well over a month. This was extremely frustrating. The people I spoke to said that it just takes that long and that there is n't anything we can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 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: CA

Complaint narrative:
I have been repeatedly contacted by South West Credit Collections. Every time that I have spoken to South West Credit Collections, I have verified with them that the debt is not mine, the information that they have in their files is incorrect, they have no social security number associated and the address they have The XXXX XXXX XXXX XXXX XXXX CA XXXX is not an address I have ever lived at or been associated with. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. 

In 2015, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. 

I have been repeatedly disputing the South West Credit Collections account. This is not my accounts. 

I have spoken to XXXX XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. 

In fact, The information that South West Credit Collections has is inaccurate, South West Credit Collections has confirmed that NO Social Security was used and the address for the alleged account is an address I have never lived at and an address I have never been associated with. 

However, that being said, South West Credit Collections reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted South West Credit Collections on XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them this is not an address I have ever lived at or been associated with and South West Credit Collections stated that NO Social Security number was given to them or XXXX. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by South West Credit Collections that they would be removing it from their files, which they never did. After speaking to South West Credit Collections on XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
They call me all the time every day and Threatening, if I does not give my name and address the will damage my credit bureau. I answered, I do not have to give private information to anyone by phone and they insist. This action is repeated multiple times a day. The Agency name is Southwest credit system.. Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
It has been a difficult task trying to liquidate my mother 's accounts at the XXXX XXXX, PA Huntington Bank location. The personal banker and branch manager were not helpful. It took the financial advisor to arrange a meeting between himself, the branch manager, and myself. The branch manager was not prepared for the meeting and offered excuses for the behavior and lack of attention the personal banker offered. I was able to liquidate a portion of the accounts while in PA, but was faced with additional obstacles once I returned home in Texas. The financial advisor who was assigned to the accounts no longer worked for the bank and his replacement was not knowledgeable to assist and failed to forward me to his superior. Calling the corporate offices did not make a difference. It was when I reached out to the institution 's XXXX account for anyone to take action. Though I have received several calls from various people in the investment department I still have the feeling that the bank is attempting to hold the funds hostage because they would prefer to keep the funds invested in their products. It has been two months since the passing of my mother and we are still attempting to finalize the liquidation process.

Company response to consumer: Closed