vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Brent D. Stamps, Attorney at Law
State: GA

Complaint narrative:
Phone call was received, the medical debt collection agency identified themself as a law firm. No statement regarding this debt has been received and when asked for information he said he would forward it to the attorney. He continued to say this when asked for more information regarding this debt. And he said this XXXX times. He spoke to a spouse regarding this debt, which without prior authorization from me, the patient, I feel is a violation of XXXX. The caller was hostile, threatening and vague. When explained that there was no difficulty in paying the debt once we had received verification of their company, he continued to refuse to agree to send us any information in writing regarding this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I received a call in XX/XX/2016 regarding an attempt to serve me with court documents to take me to court of a payday loan from Check Into Cash. XXXX XXXX XXXX contacted me at my work threatening to serve me papers at home and if I was not home to accept they would serve me at work. I had not talked to anyone regarding this issue or received anything by mail regarding this debt collection prior to this. When I did speak with someone they were not flexible on making payment arrangements. They basically told me how I had to repay the debt without any consideration of any of my other debt I had going on. I was given a deadline to submit a small payment and then once that was paid I had 3 months to pay {$240.00} monthly by the XXXX of each month ( XX/XX/XXXX ). When I did not pay on XXXX/XXXX/16 they began harassing me again and leaving messages at my employer. I previously stated to them I could not receive personal calls, but yet they still called and left messages. I made the XX/XX/XXXX payment when I was able to in XX/XX/XXXX, but also requested they provide me something in writing regarding this matter as they still had not provided anything to me in writing. I also requested in writing they not contact me at work because I could not receive personal calls. On XX/XX/2016 and XX/XX/2016 I received voicemails from XXXX XXXX regarding XX/XX/2016 payment not received. The message I received was asking that I provide something in writing or make contact if I am not able to make the payments timely, but why would if they were not flexible in the beginning and they demanded I make payments on the XXXX of each month. Realistically that was impossible for me. I received a voicemail today telling me I was going to be served papers again on XX/XX/2016 and I needed to be home between XX/XX/XXXX to receive these documents. I have to work. I also commute to work, so how am I supposed to be home between XX/XX/XXXX to receive anything especially when they have never mailed me another regarding the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CHECK INTO CASH INC.
State: TX

Complaint narrative:
XXXX is reporting a collection on my credit reports for a " Check into Cash '' payday loan claiming it was opened XX/XX/XXXX. for the amount of {$210.00}. I have not had a payday loan since XX/XX/XXXX and it was paid. They have refused to VERIFY the debt. Or this is so very beyond the statute of limitations in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Im disputing this collection because it shows on my XXXX, XXXX, that the debt of Amsher collections service doesnt exist but it shows on my XXXX thats is a debt of mines. It also show that on XXXX my birthday is wrong and XXXX addresses as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: POPULAR BANK
State: NJ

Complaint narrative:
I opened a CD account with POPULAR XXXX on XX/XX/2016 online. Towards the end of session online I was told that I should be receiving a welcome package with signature card in 5-7 days. On NOT receiving the welcome package and signature card I have been calling POPULAR XXXX and each time I was told if I did not receive the welcome package and signature card in 5-7 days, I should call them. Since then I have telephoned POPULAR XXXX on XX/XX/2016,XX/XX/2016 and XX/XX/2016 for the welcome package and signature card. Still I have not received them. I like to receive the Official CD either online or by mail. I need your help in completion of signature formalities and my Official POPULAR XXXX CD for my account. 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 2016-11-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Carter-Young, Inc.
State: HI

Complaint narrative:
I never received notification that I owed this debt. It was an apartment I lived in before I XXXX to XXXX as an XXXX XXXX XXXX XXXX. I paid all rent charges in full before leaving and was never called or emailed regarding additional charges tpnky account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FCI Lender Services Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX had a repayment plan in place when her loan was transferred from XXXX Mortgage Servicers to FCI Lender Services. FCI failed to honor the repayment plan approved by XXXX, and moved the homeowner to foreclosure. 
XXXX sent an email to FCI confirming the repayment plan, and FCI still failed to honor the plan approved by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Selene Finance LP
State: NY

Complaint narrative:
I was alerted by XXXX credit reporting that mortgage company, Selene Finance, fraudulently changed my home address on my report XXXX XXXX, 2016. The address they listed is a realty company in XXXX, NJ. I 've contacted my lawyer concerning the issue since Selene will not converse with me because a " cease & desist '' order is in place. Selene is well aware of my current home property address. If they do not rectify this fraudulent act, I will seek legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Selene Finance LP
State: FL

Complaint narrative:
FHA Case No. XXXX XXXX XXXX Address : former address to property was XXXX XXXX XXXX XXXX FL. XXXX. 
Present address : changed to XXXX XXXX XXXX XXXX FL. XXXX By Introduction, my name is XXXX XXXX and I became a homeowner in XXXX 2001. 
I went through the process with a non profit organization by the name of XXXX XXXX XXXX located in XXXX Florida. XXXX XXXX XXXX assisted me with preparing me to become a first time homeowner. Being a single mother, this was the American dream coming true.The name of the mortgage company which is no longer in business as called XXXX in XXXX Florida. I fell behind one month and XXXX sent me a letter stating that due to late payment, my loan could not be FHA insured, and the loan will be converted into a conventional loan. Now at the time I was not aware that this was false information, and also on my mortgage note there is no clause stating that my loan will no longer be an FHA loan by falling behind. I know for a fact that FHA helps individuals to remain in their homes. I truly believe that this is a predatory loan and XXXX converted into a regular conventional loan of course for profit. XXXX made stated another fictitious statement the well on the property was not the appropriate footage from the septic which is false because the house was built from the ground up the the contractor has to meet the building codes for XXXX XXXX. I have been fighting this for years and I feel that this information that XXXX was just all a ploy for me to lose my home and my inherited property.Ivanhoe used FHA procedures not guidelines to target individuals receiving FHA loan and convert the loans for profit for their investors gain and greed. This really saddens me for individuals who really strive for the American dream to become a homeowner. Over the years my loan has been sold at least 5 times and now my mortgage company is Selene Finance and they only reason why they have it now because the were under the assumptions that my loan was in default and I was in foreclosure which was false as well. 
Now since Selene Finance has my loan I stated to them to look at the original note and it clearly states that this is a FHA loan FHA insured. Since Selene Finance has the loan, they are now held accountable.My interest rate is 6.5 % it needs to be lower because it is a FHA loan.The interest rate should be at least 2.5 %. At 6.5 % I will never pay off my home loan and the investors get wealthier. I have all documents and I also requested documents from the Selene loan resolution department as well.Please assist me with this matter. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solutions To Portfolios, LLC
State: TX

Complaint narrative:
This call was from the same number that I reported on XXXX/XXXX/15, reference # XXXX. They say I have to call them immediately because I am in trouble because a complaint has been filed against me. They will not identify themselves properly & I have received no such notices in the mail according to Fair Debt Collection Practices Act. They are leaving a different number to call this time ( XXXX ) XXXX XXXX XXXX. But, their caller ID is the same as before ( XXXX ) XXXX XXXX & when I called that number it eventually picked up on a voice mail saying it was STP Management Group. Other complaints against them on the internet. This message was a little less nasty than before when they threatened me with going to jail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
1. Multiple ACH in the same month- Selene Finance has done XXXX ACH transactions for XXXX mortgage payment in one week. I have raised the issue but no solution. 
2. Shortfall in escrow- They have increased my mortgage by saying that there is a shortfall in escrow of over {$3600.00}, but have not given a reason how the shortfall occurred! I have followed up multiple times and they say that it started with a negative but they done tell me why the negative happened when the property tax did not increase and the interest payment did not increase! 
3. Incorrect reporting to credit bureaus- I was under a repayment plan and made all payments on time. I represented to the previous mortgage company XXXX XXXX XXXX who corrected the credit bureau reporting but Selene refuses to do it. 
The repayment agreement implied that we make a monthly payment that included a portion of the current payment and portion of the past due balance. From the monthly payment of {$3700.00}, {$2000.00} is accounted towards the current portion of the mortgage and {$1700.00} is accounted towards the past due balance ( para a pg XXXX of Stipulated Payment Agreement ). Therefore, we were current on all payments!!! They are reporting late so the borrower is tied to them for a longer time on high interest rates and bogus fees! 
4. please see other reviews about this company- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I XXXX in XX/XX/XXXX. when I check in to the hospital I XXXX to, I gave the hospital my insurance information. My insurance cover my stay and expense except for XXXX account. I notice an account on my credit a and I wan'st sure what It is was for, so I called and they did not know either until i finally spoke to a lady who told me that it was for my daughter XXXX. I told her that we had insurance. That is when I ask for the provider information. They would n't give me the information i had to google it. I called the medical office and the lady I spoke with said the hospital did not gave them my insurances information. that is so wrong because I gave them my information so my stay and everything include could be paid for. she said they send me a letter but I never received it because they sent it to the wrong address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: VA

Complaint narrative:
Hi My name is XXXX. I recently applied for a modification loan with the company that is now servicing my loan. I sent in all the required documents and the company Selene Finance. A representative showed up at the property which I have rented out and gave all the details of my current loan to my tenants. Told them I was behind on my mortgage payments and they could send in the rent payments to the Mortgage company directly instead of me. They gave details about my private information which is a major violation to the privacy act. I was so upset I called them right away to file a formal complaint. They said they cold not do anything and they were sorry this happened. I am writing them a formal letter and also filing a complaint with your agency. I hope this type of behavior is corrected so it does not happen to another consumer. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 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: Amsher Collection Services, Inc.
State: WA

Complaint narrative:
I moved to an area that my XXXX phone would not work at my home. Which in XXXX contract is reason to void contract and for me to be able to get service with another provider. After I broight this to their attention they said it was no problem to end my contract. I did and then they sent the remaining balance to a collection office and would not even talk to me about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: WA

Complaint narrative:
I was in the middle of XXXX loan servicing awaiting decision for a loan modification and the loan was sold to Selene financial. The escrow payment increased over {$400.00} putting me into a greater default position. I have been trying to get out of this ARM loan for the past 12 yeears. Denied due process for a modification because I wanted only outside inspection of my home. Selene Finance sent Default letter before 120 days and started foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient is my Federal Consolidated Student Loan servicing agent. My loan was transfered to them by XXXX. I can not get a complete account history from them, they increased my monthly payment, yet I am receiving {$10.00} less off my principle every other month ... I work as a XXXX at a XXXX and I am located off campus at the XXXX. I have been paying for approx. 10 years. I have paid nearly {$48000.00}, yet have only received approx. {$9000.00} toward my principle on a {$79000.00} debt. Something is wrong ... and I can not get them to fix it. My original loan servicing agent was XXXX XXXX ( and we all know what they have done. ) They transfered the loan to XXXX ( once again not the top performer ) And, it ended up with Navient ... Even the Department of Education can not tell me or provide me with a complete account history ... showing my initial interest rate at 2 % nor what my current interest is at. 
Thank you for helping ... I really appreciate your efforts in taking on this large of a challenge! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Wilber and Associates, P.C.
State: ID

Complaint narrative:
Several of the issue choices above apply to this complaint. I received a debt collection letter from Wilbur & Associates, dated XXXX/XXXX/XXXX stating their client had compensated it 's insured for a loss, etc. etc. etc. ( A copy of which is attached ) & stated that they wanted to settle things with me in an amicable fashion & my cooperation was required to REACH a complete resolution so I needed to make a check payable to XXXX in the amount of {$3700.00} & mail it to them XXXX Wilbur & Associates ). 
Then approximately 1 week later, roughly around XXXX XXXX or XXXX XXXX, I received a telephone call from a XXXX representative while I was at work & the person I spoke with kept trying to get me to admit & commit to paying this {$3700.00} & when I kept telling him I did n't know what he was talking about he started threatening me with having my license suspended, and how he was going to enjoy me having to crawl back to him in order to get my license back if I continued to refuse to pay this debt. I finally became so angry that I hung up on him and decided to seek out legal help to write a letter to this Wilbur and Associates, demanding that they validate the debt and that they nor their client XXXX, initiate any further contact with me other than through writing. 
This letter was then mailed out to them, with return receipt requested ( a copy of which is also attached ). 
Wilbur and Associates failed to validate the debt as described by the FDCPA and provide me the correct documentation I requested within the allotted time, therefore making this claim voided & closed. 
On XXXX/XXXX/XXXX, I received a letter from Wilbur & Associates ( a copy of it & it 's content is attatched ). It was at this time I had decided to file a complaint and before I could do so I have received yet another letter, dated XXXX/XXXX/XXXX, this one being from XXXX, demanding payment in the amount of {$3700.00} for their client XXXX. ( a copy of which is attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I submitted a complaint about bank of America on this web site in XXXX. My issues were that I was unhappy because they had done a modification on our mortgage in 2009 when we were having trouble through the recession. Instead of offering us a harp modification they extended our mortgage to 40 years so that the payments we slightly lower than before but now we were n't paying hardly anything to the principal but most of our payment went to interest. After I posted on this site back in XXXX, BOA was in contact with me and offered me another 40 year extension!!! This company robs people! We have called our attorney to see what we can do against this company and are going to refinance with a different bank as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have vehemently contested the wrongful foreclosure of my home by Bank of America since XXXX 2012. Notwithstanding, the lawsuit I filed on XXXX XXXX, 2012 is currently pending in the XXXX XXXX XXXX XXXX XXXX. 

I have filed complaints with the CFPB, HUD Inspector General, and the Courts. 

However, while the lawsuit is pending, Bank of America has transferred the servicing of a XXXX balance loan to XXXX to collect. 

Bank of America has never tried to collect any debt from me after the foreclosure sale of the property on XXXX XXXX, 2012. 


I 've attached documents to substantiate my claims.

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