vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: State Collection Service, Inc.
State: NY

Complaint narrative:
Upon being notified about alleged debt, I was given 30 days to respond and dispute validity of such debt. I responded within three days period and advised of my intent to dispute said debt. I also provided additional information pertaining to another medical insurance that was supposed to cover medical payments. Approximately one week later I received similar later advising me of same. I responded to this communication in timely manner and once again disputed said debt and provided additional information pertaining medical coverage responsible for the payment. Third communication from the debt collector arrived on or about XXXX XXXX ... This time a payment was demanded and no mentioning of correspondence sent by me was mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
Selene Finance has been reporting my mortgage loan delinquent to all credit reporting bureaus despite the fact that the mortgage was part of Chapter XXXX bankruptcy settlement dating back to 2011. I have made numerous attempts over the past three months to discuss my account with customer service representatives, but they refused to discuss my account insisting that the attorney who handled the bankruptcy years ago was listed on the account and that they would only talk to him. Once I contacted the attorney, he refused to write a letter to Selene Finance authorizing them to discuss the account with me unless I paid him {$350.00} for the letter. Unable and unwilling to pay for the letter, I was forced to seek another attorney to handle the matter with Selene. For days, Selene refused to acknowledge the letter faxed by the new attorney. Once the new attorney spoke to XXXX XXXX at Selene, she refused to acknowledge the bankruptcy discharge and indicated Selene " did n't care. '' Selene is now claiming I have to start a dispute with the credit reporting bureaus. So my credit status remains unresolved despite the fact that I have gone through all legal procedures and expenses to resolve this financial loan legally. Selene refuses to acknowledge and honor the United States Bankruptcy court order and my credit issues remain unresolved. I did a deed in lieu of foreclosure with Selene Finance a long time ago. The property was sold immediately because it was in perfect condition. Despite all these legal procedures and efforts, Selene Finance, continues to violate my rights under the fair consumer reporting laws with blatant disregard for the the federal and state consumer protection laws. Bank finance criminals receive better protection under the laws than I have received over a measly mortgage loan legally discharged under the protection of the " law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: CA

Complaint narrative:
Loan originally with XXXX XXXX XXXX XXXX who transferred the loan [ without the proper notification ] to Selene Finance during the middle of a Loan Modification Request. Selene came back with unreasonable Loan Modification terms : extending out the term of the loan ; increasing the interest rate from 2.875 % to 5.375 % ; having the Note balloon in 17 years [ which would have been the orignal date the mortgage would have being paid-off, and the Balloon payment is for over {$180000.00} at that time! ]. None of this was disclosed to us until we received the Loan Modification paperwork, and Selene Finance 's pressure to immediately sign the Loan Modification documents. In our opinion, XXXX through Selene Finance are attempting to defraud us under the guise of a Loan Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SIMM Associates, Inc.
State: NV

Complaint narrative:
Simms Associates is a debt collection agency that initially contacted me on XXXX XXXX 2015. I was greeted by a representative who kept asking me for my name, social security and address. She specifically asked for me via phone when she called my workplace and after providing my social security and DOB, she said that was not what she had on file. After a few minutes of determining that the other family member, my grandmother 's information was the XXXX on file ( she allowed me to provide her SSN and DOB and then gave me all the information regarding the debt ), she informed me of the balance I owed and with what company the charge off came from to collect the debt. I informed her that I am unable to make lump sum payments due to other debts accrued from student loans, and after she implied by stating that if I do n't pay, they do n't know what would happen, I may go to jail or get sued or go to litigation, that I was forced into making some sort of settlement. We ended up with {$25.00} from my checking account until I could pay them more. 

After feeling cornered and coerced into sending in a payment, I filed a complaint with their local XXXX in Delaware. The only response received was that they would provide a verification of debt. Like the rep 's " I will email you a receipt '' issue - neither came via email or regular mail. I assumed that our debt was already in repayment and never checked back again. 

Apparently they decided voluntarily to not accept payments arranged, because no automatic payment was posted to my checking account in XXXX. I called on XXXX XXXX and they refused to let me provide the same information the previous representative allowed me to provide. They refused to let me provide any sort of information and repeatedly informed me they can not talk about this account any longer. 

I submitted a second complaint today to the Delware XXXX after talking with XXXX XXXX who charged off the account and put Simms Associates in charge of collecting my account on their behalf. XXXX collections department representative filed the complaint, and agreed to take payments direct from me and not through the Simms Associates. I informed Simms via the XXXX complaint of this outcome. 

I feel that their collection practices, especially casually implying that I would go to jail or get sued just to get payment out of me was flat out wrong. There are several online complaints regarding their practices. 

I can not believe that they refused to let me pay! How ridiculous is that. I hope that someone takes care of this business and ensures that they are unable to threaten or coerce other people out of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SIMM Associates, Inc.
State: NY

Complaint narrative:
Simm Associates has made multiple calls to my fathers ' ex-wife at her work place, also leaving messages disclosing private information of the nature of their business. In addition they called my father twice. They called my workplace, when I returned their call I was placed on hold for over 20 minutes the customer service representative was abruptly placed me on hold whilst I was speaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 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:
AMSHER COLLECTION SERVICES INC in the amount of {$100.00} shows as an unpaid debt original creditor showing as XXXX XXXX, XXXX. I have never lived in XXXX. This was disputed years ago with original creditor. My husband at the time lived in XXXX, XXXX with our daughter XXXX XXXX whom he took to the ER. His insurance at the time was blue cross blue shield of XXXX and my insurance was blue cross blue shield of XXXX. Some how his insurance blue cross blue shield of XXXX was selected and used, and instead of having his information with his address in XXXX, XXXX and his name as the responsible party using his insurance my name and address where I lived in XXXX was provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I have been trying to work with my lender for the past 18 plus month to approve a short sale of my property. I explained to the lender that my income had been reduced as I am a sales person that make commission and I had to take care of my father who had came to live me with me and my wife due to XXXX. My father passed away without life insurance and it was up to me to pay for the funeral arrangements as well as take care of his affairs. Between the reduction in pay as well as taking care of my terminal father I was unable to pay my mortgage as well as mortgage on the house my wife and I were living in. I racked up substantial credit card debt just to take care of everyday living expenses furthering my hardship. Most recently my wife lost her job and I recently had a XXXX. After my wife XXXX she was in the hospital for more than two months furthering our debt and non ability to pay on my property. My realtor has procured several viable buyers over the past year and half but each time Selene Finance prolongs the process by requiring multiple paper work that has been submitted before as well as asking for an increase to the selling price, essentially pricing out the market. This has been an burden to my family as well as to my financial well being. I ruined my credit in order to partake in the short sale process only to find that Selene Finance is not interested in allowing a short sale on the property. I am the sole earner in my family, with a XXXX, medical bills, as well as a mortgage on my wife 's property to pay on. I simply can not afford to pay two mortgages, two HOA fees, two utility billings on any type of salary I currently make. I need any help as possible to get from under this property. Selene Finance is not interested in helping me with this situation as the past almost two years have shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: POPULAR BANK
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Law Offices Howard Lee Schiff, P.C.
State: CT

Complaint narrative:
I keep receiving phone calls from XXXX. I 've left XXXX voicemails on their answering machine advising the person they are trying to contact does not live at my address. They keep calling each week. I can not get them to stop calling me despite NUMEROUS attempts to get them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 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: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I owe only XXXX from the start of this XXXX. I made a payment over the phone, but i did not get any confirmation neither a receipt of my payment. I owe only XXXX balance but this company is increasing debt settlement more I owe. In fact, I already pay them in full this account of XXXX but to my surprise, this company is scam. bec. no confirmation and receipt provided to my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance Group & Associates LLC
State: FL

Complaint narrative:
I was contacted XXXX/XXXX/2016 from Alliance Group & Associates from XXXX XXXX XXXX XXXX in regards to medical bills that had gone to collections from services in XXXX. The first associate I spoke with told me that if I did not pay, then my wages would be garnished. The second associate I spoke with told me that a letter of verification of debt would be sent to the address on file, per my verbal request. On XXXX/XXXX/2016, I called to follow up as I had never received my verification letter. I was told that I had already received the required legal documents previously ( in a 10 year span ) and that a note had already been placed on my account stating I refused to pay. The associate then began to make inappropriate comments in regards to my ability to pay as well as my lack of interest in paying. I requested to be transferred to a manager, who refused to provide me with a mailing address and also denied being a debt collection agency, stating that they were retained by their client, XXXX XXXX XXXX, to attempt to make payment arrangements. She also refused to provide me with the contact information for XXXX XXXX XXXX, continuing to evade and redirect my questions. I found the contact number for XXXX XXXX XXXX ( XXXX ) XXXX, where the gentleman did not state his name or company name, but very clearly let me know that he could not provide me with any information, that I would have to contact Alliance Group & Associates. This supposed debt has never been reported to any of the major credit bureaus, and subsequently has never shown up on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
I had my mortgage with XXXX Mortgage and now it has been transferred XXXX, which is serviced by ServiSolutions. I was not notified of the transfer until the transfer had already happened, and my mortgage payment that I scheduled for XXXX XXXX, 2016 ( which was due XXXX/XXXX/2016 ) did not go through to XXXX because they had already transferred it from that point. I have received nothing from ServiSolutions and have n't been able to pay through them via their site or phone because neither have worked for me ( the site is saying they do n't have my loan and no one is picking up the phone ). I only received a letter from XXXX on 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 2015-09-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
I have been defending this money they are trying to collect, XX/XX/XXXX. I spend XXXX of ours to keep them from reporting falls report repeatedly for amount that has been removed luck of verification many times from the XXXX credit bureau. last year i file a complaint against and ... Bull City located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. My case went on till XX/XX/XXXX ; My complaint to this agency did n't stop Bullcity from getting my score information from credit bureau, which is illegal for them to do, it is against FTC law, they did't care, so any time they found out my score going up, they report it back, an amount that once and many times removed by changing the date of the report or slightly the amount. 

On XX/XX/XXXX negative report was reported as new complaint, even though, it was from XX/XX/XXXX, XXXX amount was reported two times to do more damage to my credit history. This is the same amount and case filed complaint to this organization XXXX XXXX XXXX last year. I spent hours of my time seeking solution, there was non, it seems this collection department has a license to harass and rune innocent citizens life.If any body is out there similar problem with this collection agency please contact the FTC as soon as possible. 

I tried to use the 90 day freeze policy by the credit bureau for fraudulent report, They wait till flag time collapse, they use, affiliated collection companies to enquire about my score and credit history first, my score is high they foudout, then they report it as new, for the intention to reduce my score. It became personal, they are working for third party an enemy who is known to me, to create problems around me. I do believe they are hired. 

Without the help XXXX, they will not have a chance to violate my rights, by law credit bureau should n't report an item once disputed and removed many times, but they did.

Company response to consumer: Closed
Consumer complaint received 2016-08-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I submitted information to Chase Visa Card member Services on a {$250.00} dispute with XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX on their XXXX # XXXX with XXXX XXXX, Customer Service Specialist XXXX Ext XXXX Mon-Fri XXXX to XXXX XXXX. She recently charged back the dispute amount of {$250.00} to my credit card. I have now consulted with an attorney and it has been indicated that Chase may not have properly reviewed the information that I sent. I sent documentation to Chase Visa showing that some information sent from the hotel is fraudulent and misleading. XXXX and another representative of Chase Visa indicated to me that there was no attorney available to review the documents. They have not protected my interested from unfair and deceptive practices from the XXXX XXXX Hotel, XXXX XXXX, XXXX, NC where I stayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being a Charge Off as of XXXX 2014 and 30 days past due as of XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My chase bank account was left with no activity for a couple of months and that is because I 'm waiting on my school money to deposit again. I had someone wire money into my account an few days ago and went to the bank today and they told me my account was closed last XXXX with no notice at all no email or anything. I ca n't understand why they can just close your account without any notification at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2016 CFPB : The Chief Underwriter of TARP Funds Recipient JPMChase has Violated My FEDERAL Civil Right to Examine My original HUD-1 Settlement Statement of my JPMChase FRM Refinancing of my FDIC-Conserved LIBOR-Indexed ARM Loan, the day before the Scheduled Closing at XXXX XXXX, and, in fact, has NEVER let me examine it, when I had paid the {$2500.00} Refinancing Application Fee to JPMChase Mortgage Specialist XXXX XXXX XXXX. I need JPMChase to STOP Violating My FEDERAL Civil Right to Examine My original HUD-1 Settlement Statement, and, if I accept it, JPMChase and I are to Close, with Effective Closing Date being the Original Scheduled Closing Date. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: COAST PROFESSIONAL, INC.
State: TX

Complaint narrative:
In the XX/XX/XXXX I put in for my financial aid and was told everything was ok, only to find out that the financial aid office had messed up mine and several other students aid packages. The mistake left me owing approximately $ XXXX to the university. I started making payments to the university but was a student worker and was living on my own. This added a tremendous amount of XXXX to my life and then the university cut my hours. In the XX/XX/XXXX I stopped college due to the financial issues that I was having with the university. I had given Information about my issue with loan holders online, they told me that they would work with me. About 3-6 months later I found out that XXXX XXXX had my loan, I told them of my financial problems and started making small payments on my loans, then the job that I had cut my hours in half. I then contacted XXXX XXXX to explain my situation and then all of a sudden my loan is in the hands of Coast Professional Inc, and during the transfer they are charging an addition approximately {$8800.00} penalties and interest. It upsets me that my student loan went from about $ XXXX to now $ XXXX in less than 2 years. Now I finally started a decent job that I can afford to start paying on the loans again but I do n't like the fact that nearly $ XXXX was tacked onto my account. I was honest about my lack of ability to pay during a XXXX period of my life and feel that I ' ve been gouged by all the interest and penalties added to my account. Please let me know if I have a way to get a fair loan with more reasonable lenders.

Company response to consumer: Closed with explanation