vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MLD MORTGAGE INC
State: IL

Complaint narrative:
On XXXX XXXX, XX/XX/2015, I closed on a property that was obtained thru a XXXX loan. The mortgage is with MLD Mortgage Inc. The way the mortgage is set up, I borrowed money for both pruchasing building, and rehab for it. The rehab money is in an escrow account, operated by The Money Store. The process is that we complete some of the rehab, thru an approved general contractor, the work is approved by a HUD consultant, and the money is distributed according to work completed. I was told once the paperwork is completed by the HUD consultant, it should take 3-5 business days for a check to be issued. The HUD review was completed and turned in XXXX XXXX, XX/XX/2015. My loan officer XXXX XXXX turned the paperwork in that day. I have not received any money for the work completed. I have contacted XXXX, and he states he turned the paperwork in, and after that, it is out of his hands. He gave me several people to contact at the Money store to get information on why the process is taking so long. I have contacted every he suggested, I have not gotten any information as to what is delaying the funds being distributed. I actually can not even get anyone to return my emails or call. I 'm frustrated because the contractor for the porch completed the work 4-5 weeks ago and he needs a payment of {$15000.00}, which I do not have. I would like some communication between The Money store so I can tell the contractors when to anticipate payment. I also am paying interest on the money I borrowed, so I feel it is unfair that I do not have access to money I 've already paid for. 
XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXXXXXXXXXX Money store Corporate office ( XXXX ) XXXX XXXX ext. XXXX XXXXXXXXXXXX Dear XXXX ext. XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Northeast Receivables Management, LLC
State: VT

Complaint narrative:
robo call/voicemail left on my cell phone for a debt paid many years ago. Threatened legal action if i did n't call back. I called and a man answered, when i said i did n't have the case # he became very upset. I said i was recording the conversation, he said he was too. He verified who i was with my legal name and last XXXX of my social. I then said i needed him to mail me the info, he said i was being rude and that i interrupted him and he was n't going to put up with it, he would see me in court. Then he hung up on me. I called back, he immediately hung up on me. I called back and he said he was giving me a verbal warning that i was harassing him and he would sue me. Then he hung up on me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Law Offices of Gary H. Kreppel P.C.
State: MA

Complaint narrative:
I had a debt with XXXX XXXX that was being handled for collections by an Attorney Gary Kreppel ( see attached ) .We arrived at a settlement and I advised I could pay by XX/XX/XXXX and it was agreed upon.The monies were sent but the check was never cashed.I am attaching evidence of payment and receipt of payment.The settlent letter evidences a date of XX/XX/XXXX but his office was informed that the earliest it would be there would be XXXX and I was informed that it would be no problem..He has been deceptive and I operated in good faith.I did n't receive the court notification until after the court date.i have moved XXXX in the last year.

Company public response: Company believes the complaint is the result of a misunderstanding
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: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Collections Acquisition Company, Inc.
State: GA

Complaint narrative:
kept calling my phone, asking me to pay the bill, and refusing to speak to attorney, attorney asked them remove this from my credit and provide her with the necessary party that provided them the information, they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collections Acquisition Company, Inc.
State: MO

Complaint narrative:
We received a letter from debt collector, Payliance dated XXXX XXXX, 2015 stating that we owed {$150.00} plus a {$35.00} service fee for our XXXX payment to our son 's orthodontist XXXX XXXX. However, This payment was PAID XXXX XXXX, 2015 Payliance had deducted the amount of {$150.00} PLUS a {$25.00} fee from our checking account. I sent them documents on XXXX XXXX, 2015 disputing the outstanding debt and documbents showing where they automatically took the money out of our checking plus their fee. 

Since then, our orthodontist has verified the account was current. But, Payliance is continuing calling us claiming we owe them the money. they called : XXXX XXXX at XXXX., XXXX XXXX at XXXX., XXXX., XXXX., XXXX XXXX at XXXX., XXXX XXXX at XXXX., XXXX XXXX at XXXX a.m. and XXXX XXXX at XXXX. 

They are calling to collect on a debt that is not valid as of XXXX XXXX when they automatically took the money out of our checking 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 2015-07-02 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cochren Bailey & Associates, LLC
State: AL

Complaint narrative:
Someone from a company called Cochran and Bailey ( XXXX ) XXXX, searched a database and associated my husbands family with me and starting calling them and telling them that I used them as a reference and that they have their SS # and addresses and that I have been writing bad checks. They called several people in my husbands family whom I have never used as a reference for anything, I do n't know any of their addresses or phone numbers so I could n't have possibly given out any info on my in-laws. They have been steady calling and harassing everyone including my mom and on my job disclosing my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PINNACLE RECOVERY, INC.
State: MA

Complaint narrative:
PInnacle contacted in me in XXXX 2014 in regards to maintence fees with XXXX XXXX. I have been in dispute with XXXX since XXXX 2014. I sent Pinnacle a cease and desist notification to alert them they are pursuing a disputed account. I received another notice by Pinnacle in XXXX and responded in XXXX. I have always responded within the 30 day timeframe that was specified. Now we are in XXXX and I have yet another notice of collection for the same disputed account! XXXX is ignoring my dispute and PInnacle is ignoring my cease of communications!

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 2015-09-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Solutions To Portfolios, LLC
State: CA

Complaint narrative:
I have received XXXX phone calls on my cell phone, all threatening to take me to court and garnish my wages. My relatives have received XXXX phone calls at their home stating that I am legally in trouble. My employer has received XXXX phone calls on his desk phone stating I am involved in a complaint and am legally liable if I do not call back. All of these phone calls have happened in a matter of XXXX business days. All phone calls have been from a XXXX XXXX, I have spoken to her XXXX time, in this conversation I asked her to send me documentation to verify that I owe this debt and XXXX XXXX 's response was that she would send me a letter after I paid the debt. I asked for their mailing address and she hung up on me. After this phone call XXXX XXXX started calling my relatives and employer, I also received a call from XXXX XXXX stating that I have a complaint filed against me, they seem to be from a company called STP Management. Further investigation on my part shows that their phone numbers XXXX and XXXX are associated with fraudulent shakedowns and illegal debt collecting practices. STP Management is listed as an F ranking on the XXXX and is currently being investigated by them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Amsher Collections on behalf of XXXX. No notification from them yet the hit my credit report. Called them and they ca n't locate my debt. I need help to get it removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: IL

Complaint narrative:
I applied for a loan modification thru the hamp program, My current mortgage went from XXXX to {$1200.00}. Its still 46 % of my income. I did not receive any financial relief with the program that I applied for. I am also question the current interest rate that went from XXXX to 4.250 % The current marrket rate is 3.4 %. The servicer of my loan is not giving me any relieft what so ever regarding my current loan. I am need of help as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: POPULAR BANK
State: CA

Complaint narrative:
payday loan company offered a loan called really early scam they want {$110.00} up front. 
E LoanELoan.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 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: GA

Complaint narrative:
In XX/XX/XXXX I notified Amsher Collection Services ( ACS ) that their collection was not valid. I was never a patient at XXXX XXXX XXXX in XX/XX/XXXX, and requested they produce evidence, i.e. any document with my signature or any medical records with my name. I disputed this with the credit bureaus. Result was that the ACS refused to produce any evidence of my debt, re-aged the debt to the date that I protested it, refused to remove it from my credit report, and have not bothered to report again in over six years. It is now passed the statutory limit for collection and I want it completely removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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: NY

Complaint narrative:
My identity was stolen and someone opened up a XXXX account in my name in Alabama. I reside in New York and have no nexus to the state of Alabama. They ran the bill up to {$3000.00}, I learned XXXX assigned the case to Amsher Collection Services ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, AL XXXX. Amsher is represented by XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX # XXXX, XXXX, AL XXXX ( XXXX ) XXXX. Neither Amsher nor XXXX XXXX will provide a bill or statement of amount due. They hang up on me when I ask for any kind of statement. They never provided any verification of debt. Without any kind of statement I am unable to file a police report, and if I am unable to file a police report I am informed by the credit agencies I can not successfully have the debt removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am asking Wells Fargo to forgive my loan do to my special circumstance and I explain my Situation numerous times sadly it seams like I am talking g to a bear wall Wells Fargo keep sending me this laym document and totally ignore the fact that my husband is XXXX XXXX and XXXX is not good and if he dies I will hold Wells Fargo responsible I am not asking anything unusual my husband was laid off from his work itt which they closed and following after do to the XXXX he has lots of health issues and worrying about having or not having home is a main trigger to his health issues with this new president I am very scared please Help me not toy me around.

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 2015-08-17 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I received a check from a business doing their banking with Bank ofAmerica. This bank charged XXXX ( XXXX ) dollars to cash a check written forpayment at their bank. This is common practice in XXXX XXXX, Nevada.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My private student loan is with Navient and I had an deferment status. Before my deferment was finish I consolidated all my loans.the company reporting to the credit agencies that my account is being pay as agreed and closed. Navient is th still reporting that my payments are 30,60, to 90 days late. I have contacted them by phone, e-mail, and mail for the past seven month to correct the reporting and they refused to. They kept giving me the run around and providing me with contact to other department that can not resolve the issue. They provided me with phone numbers, e-mail, and mailing address, but they all led me to a dead end. I tried to mediate the issue with them with the contact information I was given but Navient still refused to update my credit reporting and their refusal has hurt my credit score and kept me from getting a loan to purchase my home. It also cause me to pay more for services, rental, insurance, and other services that verify credit for favorable rate. Their customer service representative refused to give me the contact information to the department that does the reporting. They told me I have to mail them ; which I did but I never get a reply back and they continues to report my account being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In 2010 entered into a Loan Modification Agreeemnt with Bank America who charged me {$17000.00} in fees and costs. This amount is grossly overcharged. I received a schedule of fees and costs for a for {$1900.00} from BofA. The Bank has overcharged me for the sum of {$15000.00}. Bof A has not responded to my numerous complaint and a Respa complaint. This matter is quite straight forward and relies on the Banks own documents. I have attached the documents and my most recent letter. I want the correct sum of {$15000.00} paid back to me via check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: DE

Complaint narrative:
On my credit report I have XXXX marks that say I was over 120 days late. This is incorrect. The dates were XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. These are my children XXXX and XXXX 's private student loans that I co-signed. At the time neither I or my children could pay the {$2800.00} per month that they insisted we pay. After 3 months of negotiations with Navient we were given an income repayment plan for one year. During those 3 months we paid {$100.00} to each loan every month, which is what we could afford. Navient posted on mine and my children 's credit report that the payments were not paid at all and were 120 days late. This has drastically changed my otherwise perfect credit report. These errors need to be rectified as soon as possible. Attached please find Navient 's own account summaries showing corresponding dates and payments made during this period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My husband and I had requested a home equity line of credit in XX/XX/XXXX and were approved for {$15000.00}. We finally stopped using the line of credit in XX/XX/XXXX, and we have been requesting a summary of the payments and charges and have been given the run around. We feel that we have paid the line of credit off already.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I had a XXXX XXXX Student Loan for years then it went to Navient. I have been paying on this load ( {$20000.00} ) since 2006 and my balance has only gone down by {$2000.00}. The loan amount is always different every month and the balance just never seems to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Hello- I graduate XXXX with {$150000.00} in student loan debt in XXXX. {$110000.00} of that in federal student loan debt. I went straight to work for a non-profit hospital. I have worked at a non-profit hospital since my graduation 6 years ago. In XXXX I called Navient to look into the Public Service Forgiveness program, but was told because I was a XXXX and make good money I did not qualify. Many pharmacists that I work with were told the same thing. I had my federal loans go into forbarence because the $ XXXX payment was too much for a single girl living alone in a city to afford. Not until 2 years later did it come to my attention that the Navient representative in XXXX gave me bad information. I have now completed the paperwork for the Public Service Forgiveness program ; however despite having my employer sign the paperwork, the agency asked for my XXXX for review. I still have not been accepted into the program. I should have been given information on this program YEARS ago. I should be easily accepted now. But neither of these things are true. I believe Navient is to blame. To me they owe me 6 years of student debt forgiveness for steering me away from programs that could have helped me out of debt. This debt is a burden that means I have not gotten married, bought a house, or started a family because between myself and my partner, we owe {$300000.00} in student loans in our XXXX 's. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
overwhelmed in student loan debt can not find a career in the field of choice that pays a decent wage. will eventually stop paying loans to support my family better

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I attempted to get a loan modification or forbearance from Bank of America and they denied any assistance despite the fact that I was unemployed. In addition, I ask for a forbearance and they told me that I needed to start a new process for forbearance despite the fact that I had given them every document possible. They have been very uncooperative and have shown no desire to work with me to resolve the matter. Bank of America seem intent on foreclosure as opposed to working with consumers and they are doing this despite 10 years of consistent payments and an outrageous interest rate. Their tactics are predatory in nature.

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