vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
This complaint is in regards to my experience with this company in attempt to collect a debt. I resided with a company in XX/XX/XXXX which went under the name of XXXX XXXX owned by a separate company & within months of signing my lease the company was bought out and named XXXX XXXX. Upon leaving my lease one month early, I was expecting to a " breaking lease fee '' & my last month 's rent, which was the month I did not pay ( XX/XX/XXXX ). After leaving the complex there was NO FORM OF CONTACT, simply because none of the contact information on file was correct. I had no knowledge of all the charges the company has built up and placed on my account. XX/XX/XXXX I was applying for new apartments and kept getting denied for this misunderstanding which has now accumulated to my credit. After several attempts to contact the company and set up some arrangement I have took it upon myself to dispute the charges since I had no knowledge of it. I have called and been disrespected numerous time I have be researching where to contact, now I am here hoping to get some help from someone. I wrote a letter explaining how I was never notified of any charges, not even by e-mail and that was the only correct form of contact information. I have never received any notice in writing from this company that they were attempting to collect a debt. I have never received a phone call from this company that they were attempting to collect a debt. I did not give them my current address and - - did not attempt to verify my mailing address, email address or telephone number. I am really fed up with this company and even willing to solve the issue IF my dispute is denied, I am simply out of options and hoping to find a pointing finger here. The company ( XXXX ) was so unorganized and nonchalant that it would be modest to think that their collections company would have any more class and respect. I am hoping at the end of this and with the dispute and this additional complaint that I will soon have this issue resolved and this company name off of my credit. If anyone can provide me with the proper address I should send my letter to, a name of someone I could speak to in regards to solving this matter or any little information that I can use to solve this issue I would greatly appreciate it. Thank you and steer clear of CARTER YOUNG.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
My X wife had an issue with her XXXX telephone bill. She tried to resolve it but XXXX was so stubborn about it that she simply gave up and did not pay the bill. Then an collection agency got involved and they offered to reduce the bill if she would pay it. I was the one who spoke to the collection agency on the phone when the deal was made. My wife paid and we taught that was the end of it. Well 2 months later the same collection agency called back and told my wife that she still oved them some money. I got on the phone my self and ask them what in the XXXX is going on when just 2 months ago we settled that problem. Stubborn as they are they kept insisting that it was a misunderstanding. I told them to go to XXXX and do not bother us any more. On XXXX XXXX XXXX I got divorced from my wife and we live separately. I got another call from XXXX about one month ago from the same collection agency number XXXX and she asked to talk to my wife. I told that my wife does not live here and I asked her not to call again. Yesterday at XXXX XXXX XXXX XXXX I got an anonymous call I assume from the same agency. On XXXX XXXX at XXXX I got a call and a recorded message to call XXXX. I need for somebody to tell these people to cut it out. TO STOP, THIS IS PURE HARASSMENT. THIS IS NOT FUNNY ANYMORE. ENOUGH IS ENOUGH. I DO NOT OWE THESE PEOPLE ANYTHING.

Company public response: Company disputes the facts presented in the complaint
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 9 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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: TX

Complaint narrative:
My mortgage servicing was sold to Selene Finance by XXXX in XXXX. XXXX had approved a loan modification and I had been paying them, without incident when they sold. One month into my relationship with Selene they raised my monthly payment by over {$300.00} claiming an escrow shortfall. I sell real estate and am hearing more and more of my customers complain about the pattern of changing mortgage terms. It is not unique to Selene but other mortgage companies are doing it too. Please look into this housing fraud scam immediately!. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: FL

Complaint narrative:
XXXX XXXX, XXXX, I received an Annual Escrow Account Disclosure Statement from Selene Finance reflecting a surplus of {$18000.00}. I called Selene and spoke to a XXXX on XXXX XXXX, XXXXto verify this statement. I was told by an agent named XXXX that this was a coerrect statement and that I had overpaid my escrow account. I asked him about what happens to the money and was advised that it can be applied to my XXXX XXXX, XXXX XXXX payment of {$750.00} with the remaining balance of {$370.00} to be applied to the XXXX XXXX payment. I was to fax a letter stating that and did so XXXX XXXX, XXXX. In XXXX XXXX, I made a payment of {$360.00} and as of XXXX I continued the payments of {$740.00} by calling Selene directly with phone payments. Unknown to me, as od XXXX XXXX, my payments were reduced to {$720.00} but I was never informed on my numerous phone calls to them while trying to resolve other issues with my account. I was also informed that my account was 3 months behind when I made all of my payments, but was advised that it was due to a problem with the records they received from XXXX when they took over my mortgage XXXX. Finally in XXXX XXXX, the person that was assigned my account did research it out to find that I was miss-informed regarding the Escrow Statement and that I DID NOT have the credit of {$1800.00}. My current balance owed to them was in fact {$3300.00} and needed to be paid as soon as possible. I did issue a check in XXXX XXXX to bring the account current. By XXXX, Selene never adjusted my credit report to show that I DID NOT have an outstanding balance of XXXX and they show that I was late on my payments from XXXX XXXX. After filing disputes their rep adjusted the past-due balance to {$0.00}, however it still shows the past-due payments. My credit is reflecting POOR when a merchant pulled it. I do not feel that my credit reporting should show " late payments '' due to the fact htat THEY made the error of sending out the statement and that XXXX advised me that the statement was correct EVEN WHEN HE DOUBLE CHECKED IT WITH HIS SUPERVISOR! Also, keep in mind that each month last year I was actually over-paying {$21.00} a month due to the adjustment made by them lowering my payments. I feel that Selene should own up to the fact that they made a BIG mistake and should really reflect that I DID make every monthly paymeny AS AGRREED!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 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: AL

Complaint narrative:
XXXX certified letters within a XXXX day period to Amsher Collection Services XXXX Inc. has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Amsher Collection Services XXXX Inc. purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Amsher Collection Services XXXX Inc. and myself, signed by me, stating that I have a contractual responsibility to Amsher Collection Services XXXX Inc. for the alleged debtsXXXX.Provide proof that Amsher Collection Services XXXX Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Amsher Collection Services XXXX Inc. Amsher Collection Services XXXX Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Amsher Collection Services XXXX Inc. of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: NC

Complaint narrative:
Client was active in an assumption along with a loan modification with XXXX XXXX. The closing package for the assumption had been received back by XXXX XXXX and the client had made the trial payments. Last trial payment was due XXXX XXXX, XXXX which had been made. Then effective XXXX XXXX, XXXX a servicer transfer notice was sent to my client stating that Selene Finance would be handling the file from that point on. XXXX XXXX did not complete the assumption or provide the permanent modification that had been granted to said clientl. The reason the assumption was so important is because she was not a borrower on the XXXX XXXX XXXX. It took two years for them to acknowledge that my client had been put on the deed with her parents back in XXXX and since both were deceased there was no probate or will as my client already had ownership rights on the property. I have tried speaking to Selene Finance on several occassions and they state they can not speak to myself or the heir as the loan is still in her mom and dad 's name. They are requesting certified copies of death certificates which should have come across in the documentation that XXXX XXXX had sent and proof that she was the only heir and proof of her ownership. On XXXX XXXX, XXXX I had faxed over a third party authorization along with copies of the death certificate. I have just called to follow up and again Selene refuses to speak to me or my client. I filed a complaint against XXXX XXXX yesterday and someone reached out to me today stating that Selene was supposed to complete out the process that was previously started. We can not get anyone to communicate with us at Selene.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 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:
AMSHER COLLECTION SE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMSHER COLLECTION SE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMSHER COLLECTION XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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: Amsher Collection Services, Inc.
State: OR

Complaint narrative:
I filed a police report, filed a complaint on identity theft, placed identity theft with XXXX, XXXX and XXXX that this debt was not mine and that my identity had been misused. XXXX XXXX has continued to place with collection agencies after I personally notified in writing and called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FCI Lender Services Inc.
State: TX

Complaint narrative:
I apparently have a loan with FCI Lenders Services , Inc or with one whom they are servicing. However this company FCI Lenders Services , Inc has failed to send me statements, or provide any info such as a website on how I can obtain any info on the loan that I have been paying to them for quite some time since 2012. I have recently pulled my credit and nothing was found on my credit for FCI or of this loan at all. I have reached out to this company whom they advised me i have to reach out my request in email which I have and yet they still have failed to assist stating I now have to fax over all my personal information just for them to provide me what I feel should be given to me as the consumer. My concern is I am paying faithfully to a loan that has not been showing by credibility on my credit and they can yet provide me info on what the payoff is or breakdown of my payments.

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 2015-08-07 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: POPULAR BANK
State: MS

Complaint narrative:
A guy from Eloans sent me and email and said that I got approved for a {$5000.00}. I called him and talked about the loan the payments, ect. He said that they did n't need any collateral only thing I had to do was send {$140.00} to put insurance on my loan just in case something happened to me. I sent the money and he told me that someone would called me from XXXX XXXX with an activation code. So the guy called me and gave me the code but it was a lot of breakish in the phone. Then another guy called me from XXXX XXXX XXXX to get the code so he could deposit the money into my account. When I gave him the code it was wrong so he called XXXX XXXX and told them the code was invalid so the guy from XXXX said that I would have to pay {$200.00} just to get another code I told him I did n't have it. I told that sounded crazy. So the guy from XXXX said that when its a miscommunication between to parties that the customer was responsible for the {$200.00} and that XXXX XXXX had to pay me {$4000.00} that was their penalty. I knew then I had been scammed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: POPULAR BANK
State: MO

Complaint narrative:
I was contacted by ELoan.They would give me a loan for any amount.All I had to do was get a XXXX card for {$170.00}. Then they would deposit the money into my account within 30 minutes. That was 3weeks ago. They called back and said they trouble putting the money in my account. My bank would not except the amount. So they called back again and told me to get a money gram for {$250.00}. Then they would give me back the money in a money gram and a cashier check. I called them back the next day to find out what happen and they said it expired and I would have to get another money gram again for {$250.00} and was so made and I said I could n't they said it will be a XXXX mintues again. So stupid me did will they said they money gram had technial difficultes and would call me the next day at XXXX. That did not happen at all. Now they wanted a {$380.00} to get my credeit score up to XXXX. If I did't pay that they would have it freezed by FCC. I did not have the money and I jut want my {$690.00} back into my bank account that they have.. i just live paycheck to pay check.Here is the Number of the XXXX I have not signed a thing with them it as all been on the phone Please help me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivable Solutions Specialist, Inc.
State: CA

Complaint narrative:
I was contacted by a debt collector XXXX for medical services. I moved out of state and did not receive bills for the medical treatment. I was unaware I owed this money. Now I 've been sent to collections for {$50.00}. Is there any way I can get this paid and removed from my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC.
State: OH

Complaint narrative:
Check into cash on XXXX XXXX XXXX Ohio issued a loan to me for an amount of approximately XXXX dollars in XXXX, I made payments. Upon making another payment later in 2013, maybe XXXX payments later, there was a offer of refinancing loans and receiving a new loan for more cash. I asked that this special be explained to me thoroughly before accepting the refinancing of current loan or any extra money upon refinancing. After agreeing to get the loan I was handed approximately $ XXXX on a loan that was originally the $ XXXX, after refinancing. I was not made aware of that, I was fooled into accepting this with the understanding of a much higher amount, then handed {$30.00} approximately with expectations of hundreds more. Although there were emergency reasons for these loans, as a consumer I was lied to and cheated and taken advantage of. I now receive calls that I would be arrested and fake warrants via e mail threats. The original cashiers name was XXXX. This is criminal to XXXX people in debt and attempt to destroy my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Summit Financial Corp.
State: GA

Complaint narrative:
My Auto loan is with Summit Financial Corporation in XXXX Florida. My loan papers given to me from the dealership at the time of purchase state that my " payment due date is the XXXX of each month, and considered late if paid ten days or more after the above stated due date and buyer will incur an additional {$50.00} late fee. '' Summit Financial has not given me any New paperwork to sign for any new due date or additional fees, but began telling me ( after my first year and a half ) that i am past due. They are saying i am due on the XXXX of each month and want me to pay micelllaneous charges but ca n't tell me what the itemized charges are. They do not send me a statement, but only a letter telling me i am past due, micellaneous charges of {$300.00} dollars, no new balance ( balance never changes even after they get payments ). They argue that I have the wrong understanding about the contract and they they do not recognize what the dealership gave me. Only what is on thier computer screen. I have noticed that there are others on a blog site that are having the same problems as I. Surely they can not change my finance terms without me signing a new contract. 
Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation