BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: Shellpoint Partners, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started receiving debt collection notices from Shellpoint Mortgage Servicing inXX/XX/XXXX. The debt collector was notified several times by me that the debt was disputed, that I demanded validation, and that its responses were confusing and unclear. InXX/XX/XXXX I notified the debt collector to cease and desist. 

The debt collector claims I owe three different creditors for the same alleged debt : XXXX XXXX XXXXl, Shellpoint, and XXXX XXXX XXXX. I do not owe any of these entities money. 

The debt collector claims the original creditor is XXXX XXXX XXXX XXXX XXXX, an operating subsidiary of a XXXX XXXX. No such entity exists. Mail sent to it was returned undeliverable and unable to be forwarded. Representatives at the number given for it stated they had no record of lending me money or a security interest in my home. 

The debt collector is not registered with the GA Secretary of State to do business in Georgia. 

The debt collector filed a false document in the property index - an alleged assignment of security deed to it. 

The debt collector has failed to provide the validation demanded and continues to attempt to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Bonneville Billing and Collections
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had a XXXX account which I requested be closed when I moved to XXXX XXXX XXXX XXXX XXXX, XXXX. The account was not closed and whoever lived there used my name to receive services from XXXX XXXX and it went to collections. I moved back to my home of XXXX in 2010 ( about 4 or 5 months after moving to XXXX, XXXX to stay with a friend while I prepared to move back to XXXX ). I have tried to get the account removed from my credit report and XXXX is claiming they verified the debt. I do not know how that is possible given the circumstances I already explained. I want Bonneville Collections to remove this incorrect debt information from my credit report. Can you help me please?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX our current mortgage provider was XXXX XXXX XXXX. In XX/XX/XXXX Ditech would take over. Payment for XX/XX/XXXX check # XXXX was mailed to XXXX check cleared back on XXXX XXXX. We have called Ditech to dispute XX/XX/XXXX payment with no resolution. Ditech has image of check and promised payment would get applied to account back in XX/XX/XXXX. Still nothing, at this time i am in the middle of a refi on a different property and the are requesting a letter from Ditech. Numerous calls with promises they will take care of it and no resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
loan sold to Green Tree ... awful awful ... now Ditech..awful, awful ... I have been on a repayment program which was to XX/XX/XXXX, yeah! now had a notice payments going up {$150.00}, according to some stupid escrow rule they have, ..when I called, they blamed it on XXXX, of course, and the way they handled my loan. 

How are these people still in business??? Who can help us???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed this information from my credit report which is being reported to XXXX back in XXXX XXXX. I asked for verification of this bill and never received anything. I then contacted the company in which they say I owe the bill to. XXXX dba XXXX and spoke to several representatives at which time I advised that the bill had been paid and the service was to be turned of in XXXX of XXXX at the latest, but for some reason I was still being charged all the way up until XXXX XXXX. I have payments that were posted to this account from my bank account and I also have proof that I was no longer at this address as of XXXX XXXX. I feel as though the company is just trying to get something out of me that should not be. I even offered to pay them {$150.00} to settle this account and get removed from my credit report, but they refuse. I refuse to pay for service that I did not have, but was willing to try and meet them halfway. Below are the payments made to XXXX and when I cancelled service and started with XXXX from my bank account with XXXX : Payments to XXXX XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Other Withdrawals and Service Fees continued on next page XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MISCELLANEOUS XXXX XXXX PURCHASE XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX PURCHASE XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX PURCHASE XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTOMATED DEBIT XXXX XXXX XXXX XXXX XXXX XXXX This has been an emotional stress on me due to them trying to continue to collect more than what is due. Received letter stating that XXXX XXXX does not accept settlements on accounts.

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 2017-10-12
Company: Navient Solutions, LLC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
a XXXX from NY keeps calling my cell phone, i am at work so can not answer, this morning I was able to slip away from my desk to answer. He said he is calling in reference to XXXX XXXX my adult son ) and needs to contact him, I told him I would give XXXX the message, that I am at work and he does n't have a phone, he kept interrupting saying he needed to talk to him, I kept telling him not to call this number that it is my private cell phone, and not to call it again, ( I was getting upset ) I asked how he got it and he said XXXX must have given it to him - I asked my son and he said he has never given my cell phone to anyone. I again told him not to call this number again, he said he will call it again so I hung up, he was very rude. this is not my debt, my son is a legal adult ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Kriya Capital, LLC
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the letter I sent the collection agency, which explains the issue : XXXX XXXX, 2016 Credence XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : INVALID COLLECTION CLAIMS FOR XXXX XXXX XXXX To whom it may concern : Last month, I was told I had to pay my overdue XXXX XXXX XXXX bill in order for my service, which was turned off, to be restored. I paid {$250.00}, which XXXX person told me was the amount due, but my service was not restored. When I called back, I was told that that money was used to pay for an old bill and that I still owed more money. Nobody could tell me what the {$250.00} went to, and my service was never restored. 

I did not owe anything on any " old '' bill. XXXX XXXX XXXX would not have issued me a new phone and phone number if I still owed money on an old bill. 

But it appears that my {$250.00} went to pay that non-existent old bill. I believe this is so because in XXXX, I got a bill from Credence, offering to settle a {$250.00} bill for {$100.00}. Assuming that this was an overdue notice letter for my then-current bill, I ignored it, as I 'd just paid that bill. I did n't notice whether the amount listed was the same as I 'd just paid. I just assumed any discrepancy was an error. Now, as I look at that XXXX letter, I see it has an old account number, XXXX, for an account that had long been paid in full and on which I owed nothing -- certainly not {$250.00}. 

Today, I got a new letter ( enclosed ) stating that I owe an additional {$470.00}, again, with no explanation of what this bill is for, but with my current account number, XXXX. It would be impossible for me to owe this amount, as I just paid {$250.00}, which I was led to believe was going toward the payment of my current account. Also, my phone has been turned off for a month, and I did n't owe this much previously. 

XXXX XXXX XXXX must prove that I owe the money it claims I owe. I dispute both amounts. 

I would like to resolve this amicably, but to be on the safe side, I 'm forwarding all this information to the Consumer Financial Protection Bureau.

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 non-monetary relief
Consumer complaint received 2016-08-09
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our Mortgage lender sent us a Notice of Default but failed to comply with RCW 61.21.031 and did not send us a " Notice of Pre-Foreclosure Options or Important Rights for Homeowners '' BEFORE sending the NOD. They claim we " responded and did not request a meeting '' but nothing has been offered to us. There seems to be a {$16000.00} discrepancy between the payoff and the NOD as well. 
What little communication we have with them causes us much confusion as they are putting inconsistent information on papers ( including a wrong address on the NOD and thus a certified letter from us was undeliverable ) and can not answer questions via telephone. 
Our house has XXXX pre-approved pending sales and due to the time sensitivity of this, the NOD action they took could result in a Notice of Trustee posting and thus making this public as well as reduce the value of our home and thwart our efforts to rectify our situation via the sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Shellpoint Mortgage Servicing currently service my loan I 've been trying to request the PMI cancelation since XXXX 2015 After multiple attempts they finally confirm receipt of the necessary paper work in XXXX 2015. 
I called them several times to follow up.. and even though my balance is under 80 % of the original appraisal they told me that they need to request a new appraisal that I need to pay for I agreed to that and now it has been 3 weeks I called them several times and an appraiser have not even contacted me and every time I call they tell me to wait 5 business days for resolutions and they are going to escalate etc ... but nothing is happening. please help me if you can ..thanks

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 2016-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In follow-up to my complaint number XXXX, SPS has yet to address their correspondence and request to set-up automatic drafts of my account that was mailed to me in XXXX XXXX. Instead they continue to turn back to the excessive auto-draft, but this was not the only issue. My complaint arises from more than that singular issue, but the series of errors that SPS made and then refused to address or correct. SPS keeps stating that the only issue was their overdraft of my account which took place under authority I extended them back in XXXX. If this was truly the case, why send me a letter and form to set-up auto-drafts with my loan modification documents in XXXX XXXX in order to maintain currency on my accounts? Per SPS 's statement, this would not be necessary because supposedly they already had my authority ... though their customer service team throughout my loan modification process continually stated otherwise and that I would need to set-up a new auto-draft once my modification was complete. SPS continues to lie about their actions and responses and this is why I will continue my protest until I am made whole. It is SPS 's correspondence of XXXX XXXX that contained the instructions to complete the auto draft form, submit it, and in the interim make check payments. It is this written request and direction from SPS which made me mail payments for my XXXX and XXXX mortgage even though they had already removed an excessive amount from my bank account ( I just was not aware of it yet ). From there, SPS attempted to process XXXX these checks - not once but twice after I had already contacted them about the error in their overdraft. Despite my repeated requests for correction, SPS failed to respond for months, specifically from XXXX XXXX through XXXX XXXX. It was after I filed a complaint with CFPB that SPS slowly began addressing pieces of the fall out to me. In lieu of acknowledging their error, they preferred to refuse to credit my mortgage accounts appropriately, refused to credit me the {$110.00} in bank fees I incurred, and instead decided to report my account as late to credit bureaus because of the {$110.00} ( disputed amount ). I should not be penalized for SPS 's errors with late reports on my credit when I have not been late ... only defrauded. It is this type of unscrupulous behavior why CFPB was formed to help protect consumers against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Universal Credit Services, Inc
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 'm receiving the attached collection letter however I have never received any bill for this amount. I need verification in writing from XXXX XXXX XXXX that I owe this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A second property that I previously owned was foreclosed on XX/XX/2011. This property had both a first and second mortgage on it with XXXX XXXX XXXX. The first was properly foreclosed on and was properly reflected on my credit bureau. The second mortgage was sold to a company that is now calling itself Ditech Financial. This loan states that the account was charged off however it is still reported with a past due status on my credit report. When I contacted the company to resolve the issue, they attempted to collect money from me ( even though the credit report clearly reflects that the loan has been charged off and written off their books ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This was XXXX that was ordered by the Doctor. XXXX refused the test for XXXX. It had been ruled no longer covered by XXXX. XXXX said I was not responsible since it was a new ruling and that the Doctor and I were not aware it was no longer covered. My supplemental insurance did not pay since XXXX did not. The test for XXXX was a small portion of the testing and of the bill that was paid. The test for XXXX XXXX was ordered because of 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 2015-11-05
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I never received my mortgage statement/bill for XXXX XXXX 2015 from Ditech financial as is required. I attempted to contact them by phone both to find out why I had n't received the statement and to arrange a payment so I would n't be late. After and endless time on hold waiting to speak to a rep I hung up and went on-line to make a payment, again so I would n't be " late ''. I made the e-payment, along with a {$12.00} fee, on XXXX XXXX. Received my statement/bill for XXXX XXXX and it showed I had n't made the XXXX XXXX payment and I now owed them a late fee. This time I was able to reach a rep by phone. She said that the payment I made on XXXX XXXX was slated for XXXX XXXX in their system. Claimed I had set it up that way so that I was in act late. I pointed out that I had n't gotten my statement as required by law, that I 'd used their system to make a payment on the due date, and I wanted the fee dropped and the record to show I 'd done what I was supposed to. She refused. So, they did n't get me my statement, their system screwed up my payment, but I 'm held responsible and getting charged and having a " late '' on my record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: First Credit Services Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I joined XXXX XXXX XXXX on XXXX 2014. before i did it I asked particularly if there any contract, they said " no ''. I signed permission to collect monthly payment and paper for health condition. of course I never saw any contract, since there where no contract as they were saying. on XXXX I wanted to stop visiting GYm. They told me to write a a letter to themand send it with confirmation. There where snow storm alert and post offece was not working. So they received it later certain day. Monthly payment is {$20.00}. Where this amount come from I have no idea. 
I spoke to collection department they said this is anually payment. they do n't anything this is the amount their client want. i spoke to them 2 times, and refuse to pay this amount without any explanation. XXXX send me contract with no signature or any place where the signatury supposed to be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to Portfolio Recovery in the amount of {$910.00}. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing information that I deem to be private in nature. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with a notice of debt as required by the law and did not give me any information about how they verified this false information when I requested validation of the debt. Plus, they can not verify something that is flat out against the law. 

Please assist me in correcting these blatant violations of federal laws that serve to protect consumers as these violations are gravely impacting the quality of my and the lives of my family members. 

Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: United Debt Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Several friends and family contacted me that a company called XXXX at XXXX used illegal phone tactics. In particular a person identifying herself as XXXX XXXX, like telling them they have a file ( # XXXX ) and they needed to talk to the owner of the property I live in regarding a legal issue against me. I have at least 3 people who corroborate XXXX XXXX tactics. When I called XXXX, she refused to provide any info such as their address, and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AS EOS IS NO DOUBT AWARE, I HAVE REQUESTED THAT VALIDATION BE MADE ON THIS ALLEGED ACCOUNTS INFORMATION, I DID NOT REQUEST VERIFICATION OF THIS ALLEGED ACCOUNTS INFORMATION. EOS HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO YOU BY LAW. 
EOS HAS NOT PROVIDED ME WITH THE FOLLOWING INFORMATION IN THE TIME FRAME ALLOWED TO YOU BY LAW. 
THE FOLLOWING INFORMATION HAS NOT BEEN PROVIDED! 

What the money you say I owe is for.-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Explain and show me how you calculated what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Provide me with copies of any documents that show I agreed to pay what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Identify the original creditor-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Show me that you are licensed to collect in my state-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Provide me with your license numbers and Registered Agent-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 

At this time I will also inform EOS that your offices have reported invalidated information to all XXXX of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative marks that have been found on all of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS.

Company response to consumer: Closed with explanation