vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: EdFinancial Services
State: NC

Complaint narrative:
My student loan debt is crushing at $ XXXX. I 'm on a graduated plan paying {$400.00} a month which apparently does n't even cover interest at this stage. My rate is 5.25 % which I ca n't lower. My car loan is 2.99 % and my home mortgage is 3.75 %. I have an excellent credit score, but none of this matters. Something needs to be done about the rate and relief of our student loan debts. I did n't go to college for XXXX and XXXX degrees to live like this. I could do and be so much more without this bringing me down. Something must be done. I know I 'm not alone and hope someone is listening to what this is doing to us and how ridiculous it is. This should not be happening to us in this country. I did n't dream since I was a child to be the first in my family to graduate college and better myself to deal with this. I also graduated XXXX and got a XXXX in grad school. I did my absolute best and always strove to XXXX, but for this? Absolutely not. We all deserve better than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
The Fair Credit Billing Act 15 U.S.C. NOTE 1601 SECTION 306 BILLING PRACTICES SECTION 161 CORRECTION OF BILLING ERRORS. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et Seq ) and ( Ohio administrative Code 5160-2-07.17 Hospital Care Assistance Program ) Hospital Care Assistance Program sub section 2.5 FAQ 2.2a and 7.2, Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Here is the list of account s belowMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and AssociatesXXXX XXXX XXXX, OHIO XXXXRE : ( Accounts OHMSF/ TRAMAONE XXXX, XXXX, XXXX, XXXXThese accounts was covered under the Ohio Department of XXXX and they reported these accounts to XXXX, XXXX, XXXX , They have listed these accounts multiple times making the debt appear larger than what is owed on all XXXX reporting credit agencies, I disputed them during the past 90 days and they refuse to remove these bills that was paid under the ohio department of XXXX, I also sent this compliant to the Ohio Hospitals Associations, and XXXX Hospital , and XXXX hospital becuase they violated Ohio Hippa Laws for the hospital assistance program XXXX and XXXX the billing work was misdirected to credit collection agencies after it was written off and all of the workers in the billing departments for both hospitals was to forward the paperwork to both drivers insurance companies and to the hospitals billing department before HCAP was applied, i was a victim of a car crash of which i was the passenger this caused me to loose work for 4 years, I am on the verge of borrowing money to sue them and the agencies becuase the agencies are letting them publish this at my expense becuase they pay monies for their services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-15 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: The CMI Group, Inc.
State: OH

Complaint narrative:
I was falsely accused of not paying an internet bill from XXXX XXXX XXXX. Months after the alleged delinquency, a collection agency was commissioned to contact me and collect the amount owed. The issue ended up being a clerical error on XXXX XXXX 's part. I verified that the bill was in fact payed on time and provided proof. The claim was removed and they corrected the problem. Now it has affected my credit score and I want it removed from my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 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: The CMI Group, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX keeps submitting a charge that i do not owe, nor can they provide any information on the charge of {$170.00}. Every time I ask for debt validation, it is moved to yet another collection agency.

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 2015-08-04 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I contacted Shellpoint Mortgage Servicing to get a written statement of debt so I could pay it off. The debt was a result of a real estate short sale in XXXX. The HUD agreement was {$5000.00} to include an initial payment of {$2000.00} at closing from the bank and I would make XXXX payments of {$49.00}. 
Resurgent Mortgage sold their debt to Shellpoint Mortage Servicing in XXXX. At this time, it seems they failed to include important information regarding their agreement with me and the terms of the settlement. 
I contacted Shellpoint in XXXX of this year, XXXX. My intention was to pay off the debt. According to my calculations, I should only owe around {$1000.00}. 
I was told that I owed over {$17000.00}. I explained the situation, even sending them the original Settlement statement and 2 years of bank statements showing payment history. 
For the last 3 months I have been calling and attempting to get a settlement statement. I talk to someone different each time and they assure me that I will receive the amount in 5 days. The last call was made on XXXX XXXX, XXXX and the CS agent told me my balance was {$960.00}. 
Today is XXXX XXXX which is 9 business days from the last request. The " new '' person I talked to began with the same amount due of {$17000.00}. When he finally looked at the note from XXXX/XXXX/XXXX, he told me that nothing had been done around my request for a settlement statement. At that point, I asked to be transferred to a supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17 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: Kriya Capital, LLC
State: CO

Complaint narrative:
This new collection appeared on my credit file which I do not have a new XXXX collection. I have fought this same thing with a prior agency and now it appears again with a new company. Please help

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 2016-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc.
State: MT

Complaint narrative:
I have a {$37.00} debt to a company called XXXX XXXX and is in collections by Credit Management? Or what ever it is. I have been trying to contact a XXXX XXXX in XXXX Mt. but phones have been disconnected and I have tried to find the name of the collection agency on the internet ... and???? What is going on? I have never used XXXX XXXX and do not know what services they even provide!!!! Some one please let me know ... It is only {$37.00} and I will pay it if I know what the bill is for!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Shellpoint mortgage is not paying my real estate taxes. If they are not going to do it, they should cancel my escrow account and I will do it.

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 2015-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc.
State: FL

Complaint narrative:
XXXX XXXX collection agency on XX/XX/XXXX, they garnished my accounts and then they tried again and again but the Bank, charging me those ilegall attemp to my accounts and they knew I did not have money on those accounts.So that 's Debt is not mine is from XXXX XXXX

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 2016-04-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
Commonwealth Financial Systems INC had this account during the statue limitations. Commonwealth financial systems has put different dates on a XXXX credit bureaus when the account was purchase and forged payment on my account to keep the account open. The payment has rise from XXXXto XXXX. Common wealth and XXXX XXXX has put and double jeopardy on the credit trying to collect from the same debt. Commonwealth Financial has given me numerous dates of when they purchase my account and I have the dates infront of me when I call about every letter I have receive for Commonwealth Systems within the 6 years and more about this account .This account is also past the statue of limitations. Commonwealth has been acquiring contacting the credit bureaus using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
This collection was from years ago that was paid or ether liable as a nonen vailade payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I pulled my credit report In XXXX 2015, and it showed a collection agency " Common wealth financial system/ NE Credit collection '' reported to XXXX and XXXX an account in the amount of {$750.00}. I disputed this account with XXXX on XXXX XXXX, 2015 advising the account was not mine and on XXXX XXXX, 2015 the investigation was completed, advising proof of the debt was provided. I mailed a dispute directly to the entity on XXXX XXXX, 2015, advising the derogatory report be removed, and to provide validity of the debt/ account if the derogatory reporting is not removed. This dispute was received by the entity on XXXX XXXX, 2015 and as of today XXXX XXXX, 2015 the derogatory report is still on my credit and I am yet to receive a response from them validating the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
The debt had been fully paid to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I pulled my credit report and noticed that this company has reported that I owe them money and to best of my knowledge I have never received any service from them nor have I signed a contract stating I would. I was not afforded with challenging or disputing the debt in accordance with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ClearOne Advantage, LLC
State: KY

Complaint narrative:
I submitted a complaint in XXXX for Clear One Advantage, my case number is XXXX, their response to my complaint was that they would send me my fees which was around {$700.00} ( a little more ), and I have never received my fees back. So my complaint this time is this company does not know the truth, if they had no intentions of giving me my money back they should n't have said they would in their response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Calls my cell phone looking for the previous owner of the number -- a XXXX XXXX. Have repeatedly told them this is n't my debt and XXXX XXXX is no longer associated with this number. They continue to call and leave blank messages on my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
So my situation is a little more complicated than what is listed above. I 've tried calling the CFPB but she could n't help me. Apparently I had debts in collection in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX right as I was changing jobs, I asked for a statement. I changed jobs and had a hard time with familial things at the same time and that was the last time I heard from this Credit reporting agency. Since I work for the Veteran 's Administration and it was hacked right after I started in XX/XX/XXXX, my credit is monitored through XXXX. Today I got on to check activity and it showed activity from this credit reporting agency from XX/XX/XXXX and XX/XX/XXXX. I have not heard or seen ANY activity since XX/XX/XXXX from this agency. When I ran my credit report through XXXX, it shows XXXX accounts with Professional Credit Service that are CLOSED. When I called XXXX and asked why they had n't contacted me, all they said was we contacted you XX/XX/XXXX and that was the last we heard from you ( me ). I do n't understand how they can legally close accounts and reopen them and start posting to credit reporting agencies two years later with no notification. I 'm very broke and I can not afford any more debt right now. Please help. Please tell me if they can legally reopen accounts they have listed as closed and have n't notified the debtors ( me and my husband ) in TWO YEARS : (. THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
This complaint is against Nationstar Mortgage LLC DBA Champion Mortgage. On XXXX XXXX, XXXX, my husband and I paid off our Champion Reverse Mortgage loan by refinancing the loan with a forward mortgage from a XXXX XXXX. We ( my husband and I ) took out the reverse mortgage in XXXX because we were not able to get a forward mortgage from any bank. We received a lump sum payment from the original lender ( XXXX Mortgage ) and made payments every month to XXXX Mortgage and then subsequently to Champion Mortgage to keep our total loan balance from growing exponentially. Even though payments are not required on a reverse mortgage, we opted to make payments. Our payments consisted of interest, and mortgage insurance premiums, with a letter attached explaining how we wanted our payments applied. In XXXX we had to file a complaint with the CFPB regarding our XXXX form for XXXX, we filed a complaint again in XXXX regarding our XXXX form for XXXX, and now again in XXXX we are filing a complaint regarding our XXXX form for XXXX. I sent a letter to Champion Mortgage on XXXX XXXX, XXXX ( 4 months after payoff ) asking for answers to several questions ( copy enclosed ). I received an incomplete response around XXXX XXXX, XXXX. On XXXX XXXX, XXXX I received the XXXX form for XXXX, and it is wrong again! On XXXX XXXX, XXXX I emailed the Customer Relations person at Nationstar Mortgage ( copy of letter emailed enclosed ) requesting a new corrected XXXX form. 
Since Champion Mortgage has all the documentation they need to produce a proper and correct XXXX form for me, there is no excuse for their delays and untimely responses. Maybe when they receive this complaint from the CFPB they will respond appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I made my regular payment to my XXXX Mortgage Lender Nationstar on XXXX XXXX, XXXX, in the amount of {$690.00} ( Regular monthly due ) + {$9.00} ( Transaction Fee ) + {$100.00} extra towards additional principal. Instead of posting my {$100.00} towards towards Principal, Nationstar posted {$100.00} towards some type of fee. They are stealing my money. They already stole over {$500.00} in the past in the name of interest that was not part of my payment agreement that I made with Nastionstar XX/XX/XXXX. I do n't know where and how to fight back against Nationstar stealing my money and others. Please feel free to contact me any time at XXXX. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I refinanced in XXXX 2015. My escrow funds on XXXX XXXX were {$1100.00} indicated in the mortgage payoff statement. My new mortgage company ( XXXX XXXX XXXX ) wired the payoff funds XX/XX/2015 which included my city taxes. My old mortgage company ( Nationstar ) paid my city taxes ( {$670.00} ) as well. My mortgage broker told me that I should be receiving a check for {$1100.00} because that was the balance in my escrow funds. I called my city treasure and they told me that they sent a check to Nationstar on XXXX XXXX, 2015. The city treasurer told me to call Nationstar in a few weeks. I called Nationstar in XX/XX/XXXX. I was told by Nationstar that I would receive my check for {$670.00} in 10 days. I asked them why it was n't {$1100.00} and they said they needed to pay for taxes. I asked them about the taxes and they said it was city taxes. I told them there was n't any taxes to pay for. It did n't make sense.Then 4 weeks went by, there was still no check. I called them in XX/XX/XXXX and again they said my check would be delivered in 10 days. Still there was no check. Contacted them in XX/XX/XXXX and again they said that my check was on the way. Still have not received the check of {$1100.00}. I heard about your site and now am reporting Nationstar for not giving me my escrow balance.

Company response to consumer: Closed
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
I have been filing unemployment off and on since XX/XX/XXXX. After depleting my retirement, I notified my mortgage company of the financial issues I was having and my unemployment status. 
My mortgage company offered a modification package that was quite involved and tedious. I submitted all of the paperwork at their request only to find out I was not eligible for the program because I was unemployed. Several months later, I asked my ex- husband, an attorney, to get involved. He contacted the mortgage company only to have the same program offered. Again, I was not eligible for their modification program since I was unemployed. On the verge of foreclosure, liquidating a few personal assets, I was able to keep my mortgage current until XX/XX/XXXX. I am now almost in foreclosure, again. Again, I contacted my mortgage company on or about XXXX/XXXX/XXXX and spoke with XXXX XXXX XXXX ext XXXX, who explained that I was likely eligible for an unemployment program offered through Nationstar that would lower my mortgage to {$50.00} a month until I was able to obtain gainful employment, again. 
He explained that he would escalate the program and asked me to call back Friday or Monday of the following week. 
When I called back Friday, XXXX XXXX was available but said he would need to call me back. I never heard from him so Monday I called Nationstar again and asked to speak XXXX XXXX who was unavailable. I cant recall exactly what she said when I spoke with her but essentially she said that I would not qualify for the program. At that point, I became quite angry and unprofessional and eventually hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
I am in danger in having my home foreclosed upon by Nationstar Mortgage. I need help. I am behind on my payments and have gotten no help from my lender. I went through the state of Oregon required foreclosure prevention program. I proved financial hardship caused by unemployment, painful divorce and new job paying much less than my old one. My then wife and co borrower left me for other men after thirty years together. She has since filed quit claim deed on property and has nothing to do with it now. I sent all the documentation that the lender required. Lots of forms, tax info and the like. I asked for a lower, affordable mortgage payment so I could stay in my house. I asked for debt forgiveness on my past dues. No solutions, government plans, or help has been offered at all. I had n't heard from my lender in a couple months, at least, then I received a letter from their law firm stating that they would seek a default judgement against me. I want a fair chance to save my house for my daughter and myself. Nationstar has not dealt with me fairly from the beginning. They have shown no interest in helping me save my house. Please help.

Company response to consumer: Closed with explanation