vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: CT

Complaint narrative:
I am a XXXX woman, XXXX years old and XXXX. I have been trying to get my home modified since XX/XX/XXXX. I had zero luck and it was very hard for me to get around my house to fax all the documents they had always requested over and over. I am in a wheelchair and live alone ; I have to wait for my son or daughter to come home from work and help me, if they were not too tired. I did everything my lender they had asked me. On XXXX/XXXX/XXXX, my lender, Selene Finance, denied my loan modification request stating that I had " insufficient income to support a modified payment ''. They calculated my income much too low and wrong, about {$1700.00} too low! They did n't give me time to appeal this - they instead sold my house at foreclosure auction on XX/XX/XXXX. I had no time to tell anyone what they calculated was completely wrong. This is a violation of the rules, how can they calculate whatever they want, deny it and then sell a house without me having time to correct them to get on the same page! I could not believe it ; this was another punch in the face. I am formally requesting a rescission of the foreclosure and a FAIR review of my case, they did not give me 30 days after they made the determination of my income for an appeal. They denied me and sold my house 6 days later ( 2 of those days being a weekend ). I will also be escalating this to the FHFA and to the CT attorney general. Also have tried calling numerous times to Selene Finance 's foreclosure attorney XXXX XXXX, a ruthless law firm who is know to be very agressive and ignore homeowners and their advocates. They also did not answer my counselor 's calls after my house was sold. This house is all I have and they calculated my income however they wanted to be able to deny my application and sell my house days later. No appeal time, no call back, foreclosure attorney ignores me completely. They sent a contracted realtor snooping around my house every few months ( XXXX XXXX ), whom would scare my tenants and berate me telling me I am going to lose the house anyway ( I will deal with that as a separate issue ). She also told my tenants to hand over their security deposits directly to her because I was in foreclosure. Again, a separate matter but she stated she was contracted by my lender. Somebody needs to make this right before time runs out and I am going to the government with this matter. I am tired of being ignored because I am elderly and in a wheelchair. I have been taken advantage of for too long. This is all a severe injustice and must be remedied. You have my full permission to speak with the counselors at XXXX XXXX. To Selene Finance : DO NOT close my case stating that you do not have authorization, because I am attaching it again and they have already been working on this case for 1 year so there is no excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I do n't know why this is on my credit, I have spoke with these people several time. Told them this is not my bill. If this is my bill I need tbe bill with my name on it. XXXX was my treatment, and my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I wish to submit a formal complaint against my lender Selene Finance XXXX. They have been a pure nightmare for me and my family since XXXX XXXX XXXX transferred my loan to them in 2013. The customer service representatives are not very helpful at all and they tend to practice lying about mailing out any information requested by me, the homeowner. I have called numerous times in regards to my loan modification process. I was misrepresented as to the timeframe of when I needed to start the loan modification process. They have intentionally not been applying my mortgage payments in a timely matter which has further placed them in a suspense account, so that I can incur late fees. They also intentionally do not send updated information to their Bankruptcy Legal department reflecting that my account is current and up to date. They have even gone as far to send back electronic checks that have already been deposited yet I have not been given credit for, nor have the money been redeposit into my bank account. I feel that I am currently being force into foreclosure. I wish to save my home, because I have a son about to go off to college and XXXX little girls under the age XXXX.I appreciate your response to this matter and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
This account was in to law the XXXX ( XXXX ). The XXXX further clarified and XXXX the XXXX and XXXX ( XXXX ) which benefits XXXX members and was signed into law in XX/XX/XXXX. Was on XX/XX/XXXX and they suppose be delete from my record. This account was paid and closed in good terms. They sold the account to collection and they want charge me the amount againt. They are wrong on the closed date and amount is {$0.00}. It is fraudulent or identity deft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 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: FL

Complaint narrative:
I used XXXX as my cell provider for about one year, then I decided to change the provider. I called them to disconnect the 4 lines that I had with them, and went to XXXX and open new service, by the way XXXX is company associate of XXXX, Two months later XXXX is still billing me for their operator who did not put my request on the system. A cellular phone could only be active in only when provider. They want to charge me for service they know they did not provided. 
I do not know this amount. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SIMM Associates, Inc.
State: SC

Complaint narrative:
Simm Associates phoned my husband 's cell phone and my residence attempting to collect a debt in my deceased father 's name, threatening to sue me and file a negative credit report on my credit record, if I did n't pay the debt. The loan originator has n't contacted this company for debt collection. This company contacts consumers threatening a law suit if the debt is n't paid. The company does n't forward debt payments to the loan originating company. They keep all money/payments they receive for a debt. This company has numerous complaints filed against them for fraud and scams. This is a third party debt collection company, that does n't represent the loan originating company. This company is a fraud and scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I was sent an unsolicited prepaid card in the mail. I looked over the material that came with it carefully and saw that there was a list of fees. Among the fees listed was an " Account Maintenance ( Inactivity ) fee '' of {$5.00} per month. I am not sure whether or not I have to activate this card in order to be assessed this fee, but it seems to me that being sent something that I did not apply for and possibly being assessed a fee for not using it may be worth your attention. The company that sent this is netSpend at XXXX. XXXX XXXX, XXXX TX XXXX. Reading carefully the documentation that came with this card, it appears that I have to actively contact them to decline this card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 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: Carter-Young, Inc.
State: MS

Complaint narrative:
Please remove this debt from my credit report. It 's not mine at all. It belongs to a relative not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
Since XX/XX/XXXX, Ditech has XXXX my accounts due to a changeover in their computer system. All of the accounts except for one has been corrected. Despite receiving all of my monthly payments on time, they state that I have not paid since XX/XX/XXXX. I have proof of payment as well as proof of their mismanagement. I get called by their collections department all of the time and when I explain the situation to them, they say that I am correct. And yet they keep calling. Just yesterday, a phone representative rudely asked why I did n't make my last payment, when in fact I did. The person stated that if I pay {$150.00}, then the rest of the unapplied amount would complete the payment and I would be brought current. I do not owe this money, but wanted to make this go away, so I paid anyway, even though money is tight right now. I think this amount is incorrectly charged interest and late fees. Upon paying this amount, they erased all of my payments since XX/XX/XXXX. I was assured on several occasions since XX/XX/XXXX, that they would straighten this out. Am I supposed to receive harassing and rude phone calls for the next 18 years because Ditech ca n't correct this? Is it Ditech 's wish to force default on a homeowner so they can take their home? Ditech, please take notice that CFPB is publically publishing this complaint. Since I had loans on this property for the last 10 years, I was never late nor am I late now. And yet I am being treated like a deadbeat by Ditech.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC.
State: MO

Complaint narrative:
I asked them not to call my work twice now in writing. They have called my work 4 times within the last 5 minutes. The number they are calling from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CHECK INTO CASH INC.
State: MI

Complaint narrative:
I went into the store to ask for a payment plan and XXXX said that If I entered into XXXX or more payment plans that she would not re-loan to me again. So I was forced to find another place to do business. She is very rude and made me feel like I was a piece of 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: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Collections Acquisition Company, Inc.
State: GA

Complaint narrative:
I sent this company a letter, police report advising them I did n't owe them any money, they refused to accept the letter and told me if I didnt pay the bill, that i was going to be arrested for a bad check. I asked them remove this from my credit that I disputed the bill, and requested for management they refused again and hung up the phone on me. Spoke with a male collector who refuse to give me his name. I have never received any letter from this company of their initial 30 day dispute letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I received medical treatment for an XXXX at XXXX XXXX in XXXX, GA on XXXX XXXX XXXX. Following the treatment my insurance and I were billed directly from XXXX XXXX - the bill was paid accordingly. 

In XXXX of XXXX I receive a collection notice from Lanier Collection over the amount of {$150.00} regarding services I supposably received at XXXX XXXX XXXX '. 
I did not receive any treatment from this provider nor was I sent a bill. I requested further documentation that I received treatment and/ or owed this amount and after the collection agency LCA failed to do so I disputed it. 

It has now been flagged as unpaid on my credit report ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Oxford Law, LLC
State: FL

Complaint narrative:
I have for the past 20 years or so been contacted by several different Collector Agencies ref another individual. Knowing these debts if any are sold to other agencies attempting to collect. It is beyond my comprehension how these agencies have associated my phone numbers with this individual. Since @ XX/XX/XXXX Collector Agencies have been in pursuit of XXXX XXXX XXXX. I do have knowledge of XXXX XXXX as he married my ex-wife. Other than this I know nothing more. How every phone number I have had ( XXXX ) through the years even when I lived in XXXX XXXX XXXX, these Collector Agencies have located my phone numbers convinced I was in frequent contact with XXXX XXXX. I had not heard from any Collector Agencies for several years until now, I received a call on XXXX XXXX, 2015, again looking fo XXXX XXXX. How they are still finding my phone number is a mystery. I did return the call to this so call Law Office suggesting they should cease and desist any more calls to my residence. This order by me met with ... .. '' WE WILL DO AS WE WISH '' even though I am not XXXX XXXX . The following is the information I have. I am hoping for resolution to this situation. OxFord Law Office. Contact : XXXX XXXX. Phone number XXXX. On my caller ID it appears the call originated from XXXX XXXX, number XXXX. 

Regards ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Oxford Law, LLC
State: TX

Complaint narrative:
I have an old outstanding credit card debt that I am currently paying to a debt collector, XXXX XXXX XXXX XXXX on a monthly bank draft for {$150.00}. The debt collector assigned to my account will call me to attempt to close out the account with an agreed amount, which I have not been able to do. If I do not answer the phone for any reason, he immediately calls my sons, wife, and an old business partner which have nothing to do with my debt. I 've tried to reason with him and have told him to stop calling people who have nothing to do with this, but he persists and continues to call them, actually calling XXXX of my sons this morning three times within a five minute period on his cell phone. I want this to stop. I have an agreement with them, and I 'm doing my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
making car the car was sold a letter was sent to the title loan company telling them the car going to auction off they never came to get it now they are calling me this loan was made harrssing XXXX XXXX XXXX XXXX XXXX XXXX lone star title loans XXXX XXXX XXXX also XXXX XXXX they call you about XXXX XXXX time per day

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 2016-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
A collection agency named SW Cred Sys just started reporting a collection account on my credit report for {$130.00}. Prior to noticing this collection account appearing on my report, I never received any notice about this debt. I have no idea what this is, and have been unable to get a response from the collection agency about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My wallet was stolen on XX/XX/2016. It contained XXXX credit cards and a debit card along with my driver 's license. XXXX credit card XXXX Huntington Bank XXXX XXXX was used to make a fraudulent purchase, which alerted me ( via text XXXX to the theft. I contacted the Huntington Bank customer service and reported the card stolen. New cards were issued to me. On XX/XX/2016, I met with a banker at a branch office. I was told a comment was entered to ensure account security. I was not contacted by the Huntington Bank fraud personnel after my initial notification to them. I reported the driver 's license and second credit card stolen the the appropriate issuers and received updated documents/cards. I filed a police report and reviewed surveillance footage at the store where the card was used. I identified the person using the card as the person sitting next to me at a restaurant. 
About XXXX weeks later, I received a letter in the mail requesting my notarized signature disputing the fraudulent purchase. I signed the statement and mailed it to the address provided. Funds were returned to my credit account. 
Around noon on XX/XX/XXXX, I received a text alert that my Huntington Bank checking account balance was below the set limit. I logged into my accounts and noted that someone had withdrawn nearly all the funds from my checking and savings accounts. I went to my local bank branch within XXXX minutes of the transaction post and learned that someone had entered a bank branch inside a XXXX store in XXXX, MI XXXX out-of-state ) and filled out a withdrawal slip to deplete my funds. According to the assistant XXXX, the banker who conducted the transaction looked at the driver 's license and thought the person looked " enough like '' me to consider it a valid identification. The banker also stated that the person knew the balances in my accounts. The signature on the withdrawal slip does not resemble my signature on file for my bank accounts. The XXXX store had not been contacted to secure surveillance footage XXXX the branch is inside the store ) and the XXXX Police Department had not be contacted of the theft. I went to the branch again the following day to let them know that the funds had not been returned to my account. After repeated attempts by them to speak to an XXXX, the funds were returned to my account before noon. No XXXX has contacted to verify how the bank intends to rectify the compromise to my accounts and information. I am still not aware how the person knew my account balances or why the banker did not protect my funds and my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Banks has incorrect information that they use to verify my identity. They will not fix the issue and deny me access to my account. They have my address, SS number, DOB, email and many other verification information but that is n't good enough for them. I have had an account with them for XXXX years yet they want to use information that was n't collected when I opened my account, such as my cell phone number. I want them to fix the issue without me spending hours of my time or missing work. It is their error and their poor system design and not my fault. This delay could cause me to make a mistake in payments and therefore profit Huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
As stated in a letter mailed off for the second time today. This was not an account that was initiated by me nor authorized. I have reported such to the police and the FTC and have both reports. As they are attached to this complaint along with the laws regarding the regulations on attempting to collect on a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I wanted to update my last name after my divorce and they were requiring a court document to have for their file even though I had already provided this to the social security and the license branch and had proper legal ID for them to update this.

Company response to consumer: Closed with explanation