vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Collins Asset Group, LLC
State: MN

Complaint narrative:
Here is the deal ... I do n't owe a debt collector as this issue is with Collins Asset Group and they have refused to put down the proper information on this, so it makes it look like I have an account in collections which is inaccurate ... You ca n't have a debt in collection, when it was closed due to a bankruptcy ... This is impacting my life and has caused me to be turned down for a loan and a credit card as I am trying to rebuild my credit score ... I have been working hard on getting things in order and this has put up a road block ... It 's being reported to XXXX credit bureau ... I currently have an attorney who is ready to move on this if it does n't change and get reported as " closed '' due to Bankruptcy ... 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 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: Kriya Capital, LLC
State: AZ

Complaint narrative:
XXXX. account closed and I made numerous attempts to receive shipping boxes to return XXXX boxes. XXXX kept sending them to a undeliverable address which were then returned to XXXX. I finally was able to return the tuners and have XXXX office receipts to prove items were mailed. Numerous attempts to contact XXXX resulted in letters of either credit or " No Payment XXXX ''. Subsequent to the letters of " No Payment Due '' I am now receiving Letters from " Credence Resource Management, LLC '' Excellence Beyond Belief, ( a debt collector XXXX that I owe {$27000.00} and on XX/XX/2016 I received an additional online Bill from Direct for an additional {$83.00} and indicating that the tuner was not returned and is being charged to me. Upon receipt of the correspondence from " XXXX '' I called to dispute the charges and request a full breakdown of charges be sent to me. As of this date I have not received any documents from " XXXX ''. Due to the numerous conflicting " Bills '' and subsequent " Credits '' that I have received I wrote a letter which was mailed on XX/XX/2016 to Direct Corporate headquarters in Colorado and California explaining my frustration with the process of attempting to close my account and return the tuner boxes. To this date I have not had the courtesy of a response other than the threat of " A Bill Collector '' being assigned to collect a debt that I DO NOT OWE! It has become abundantly clear that the transition of tuner returns and billing services from XXXX to XXXX XXXX XXXX has resulted in total chaos and and attempt to collect funds from disgruntled prior customers. A quick look at the number of dissatisfied on the " XXXX '' website will certainly convince any prospective customer to now avoid XXXX. It should be noted that the XXXX Customer Service that was once received from XXXX is no longer there. Full documentation will be forwarded.

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 2016-01-22 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
I received a second notice from a law firm in XXXX alleging that I owe the XXXX XXXX # XXXX for non-payment of a road toll. In the second notice they say I did not respond to the first notice, when in fact I did respond to their first notice. In my written response I told them the debt was not mine and explained why I did not think so. I also called the collectors to explain but they insisted that I provide proof. 

Do I have the burden of proving their allegations are false before they will stop their proceedings? I live in the XXXX XXXX XXXX XXXX. This is a toll for a roadway near XXXX. No car I own has been close to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I paid off balance on my capital one credit card and no longer used it XX/XX/XXXX. But I did have an error of a recurring annual charge from another company that a failed to cancel made XX/XX/XXXX. The charge appeared on my credit card. Because I selected paperless billing all of the notices and late notices came through an email account. Because Capital One spams so much all their e-mail went to junk mail. During this time my wife was XXXX, I was taking her XXXX daily, staying nights XXXX, etc. Her XXXX is finishing up and we finally decided to purchase a home. I go to apply for the loan and this charge and three months shows up on my credit report. I pay off the balance immediately and contacted them requested a good will correction. Because they did not notify me by any other method then a block e-mail account I now have a bad credit score from what was otherwise a perfect history and because the infraction was so soon it was a huge impact. Requesting the adjust they refused citing they report everything accurately. While in fact true, their notification policy that I foolishly opted in for is the only reason the issue occurred. Never again will I use paperless billing only. The objective of the FCRA is to protect consumers with accurate and fair information. I feel this infraction is unfair especially cosidering my relationship with capital one was perfect and accurate on time payment for years. I only run into the problem when I pay off the balance and they no longer want to work with me. My interest rate will be more than 0.5 % higher than otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The current Mortgage Servicer has an illegal foreclosure against our family home. We were APPROVED and in a loan modification trial period with the previous Servicer ( Resurgent ) when the mortgage was service transferred to a new Servicer ( Shellpoint ) who failed to honor the APPROVED Trial Plan and refused to accept payments from us so the account fell so delinquent that it reached a point where the balance due was to much to pay for us at the time. We reached out and made several attempts to request mortgage relief assistance with Shellpoint to no avail. They just want to take our home. They have failed to assign a SPOC or meet the Conditions and Requirements of contacting borrowers before filing Notice of Default under California Foreclosure Law and HBOR. We submitted several packages and documents on many occasions and they always lost the documents and failed to reply. They simply have us the run around and failed to help save our home. Now they have a trustee sale date of XXXX/XXXX/2016.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
Our mortgage company had paid our property taxes in full on XX/XX/XXXX for the XXXX tax year with money from our escrow. In XX/XX/XXXX they pulled out a second payment for what would have been the second half payment if we were paying in two installments. The county received the overpayment on XX/XX/XXXX and promptly returned it to the broker the mortgage company hires to send out payments. This money has never been returned to our account and it is 5 months later. They have raised the escrow amount on our payment every month by {$600.00} trying to compensate for this missing money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
skopos financial lost XXXX of my payments made in XX/XX/XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XX/XX/XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX ) speaking to them verifying the payments were made and on what days. Skopos Financial refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. Skopos also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against Skopos Financial concerning the documentation that I nor the primary borrower received with the XXXX, XXXX. Skopos Financial claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. As a last resort I sent Skopos a repo dispute letter on XX/XX/XXXX, which I have enclosed yet it is XX/XX/XXXX and I have not received a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I purchased my home on XXXX XXXX, XXXX. The originallender was XXXX Mortgage ( Loan # XXXX ). Purchaseprice was {$220000.00}. Financial hardship happened in XXXX XXXX Loan was sold to XXXX XXXX during recession. Suddenly lost job. I fell behind in mortgage. 
payments. Did unsuccessful loan modification with XXXX Loan balance was increased significantly. I discovered on XXXX XXXX XXXX througha phone conversation that the sale date of my property isXXXX XXXX at XXXX XXXX. I have not yet received aformal letter from XXXX and XXXX ( attorneys representing the sale ) although they claim a letter was mailed on XXXX XXXX XXXX. 
I need more time to look for gainful full-time employment inorder meet the necessary financial requirements for a loanmodification to keep my home. Not enough time hasbeen allowed for me to explore all my options for gettingassistance. Private investor of the mortgage is XXXX. I waneed more information on this private investor and the shadytransfer of this mortgage between XXXX Mortgage and. 
Shell Point. I even asked to speak with XXXX XXXX ; CEOor someone in upper management. Within two weeks of my rerequest to speak upper management, the mortgage wassuddenly sold and no one ever spoke with me. I want thisloan process investigated from XXXX XXXX until XXXX XXXX XXXX. I believer customers who are in vulnerablepositions such as myself are being taken advantage byChase and other private investors while jacking up loanbalances as they resell loans. This is home is not valuedat {$250000.00}. Please research this case asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
This was a misunderstanding a couple of years ago I actually went to their office in XXXX Michigan and they refused to help me with this issue they told me basically it was my problem they refused to write you guys a letter or write the company that is collecting a letter stating I owe them nothing more than my monthly bill I do not owe them any money I will go down there again speak with the manager and record the conversation and they will not do a thing to resolve this I asked them to call the credit card company or XXXX XXXX and they told me it 's my problem well they said they need to talk to while wow says another another thing I 'm getting really tired of this and it 's going to get very aggressive very quickly my phone number is XXXX my name is XXXX I want this resolved now by Monday morning I would like a phone call and this resolved or I will get a lawyer involved with wow. They are worse than XXXX when it comes to building in customer service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: WA

Complaint narrative:
A debt collector called my boyfriend telling him to have me call them. 

The contact information given was XXXX XXXX at XXXX ext. # XXXX. I was instructed to call by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
To whom it may concern : on XXXX XXXX we refinanced our house with new penn financial, shellpoint became the mortgage servicing, on XXXX XXXX they claimed they paid {$7000.00} on XXXX insurance, why? I do not know they have not given an answer. Our insurance premium is about {$150.00} a month, we had only been 12 months with this company there is no way we owe that amount. Our escrow got short now our payment went up {$500.00}, since we only pay whatever we agreed, we keep receiving letters of default and we are loosing our house. I have been fighting this company for seven months calling them every week in up to today I have not got a decent answer. We have never missed a single payment, this is very extresful situation and obviously they do n't care on fixing this problem. Thank you for your time I hope I can get some kind of help resolving this matter.

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 2015-11-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recover, LLC
State: IL

Complaint narrative:
Rent Recover XXXX, LLC posted a collection item on my credit report. I called to inquire about the item and a representative XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX XXXX XXXX XXXX XXXX under the property address XXXX XXXX XXXX XXXX XXXX IL. Rent Recover refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX should be fired and Rent Recover should be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Bank close my money market account on XXXX/XXXX/XXXX, I advised them that I was dealing with fraud back in XXXX XXXX. I was advised not to open any more accounts until the fraud matter was resolved. No one sent me anything showing how many times I withdrew my account. I paid bills out of this account because I do not have a choice, I wish they would give me two weeks to make arrangments because my school tuition of {$110.00} was sent back and now the school will charge me a later fee of {$25.00} because it was due by the XXXX to avoid the fee. I had this account for over 10 years and now the account is closed. I do not have access to my money now because the account is closed and I have to wait on my check. The amount was {$180.00} minus the {$110.00} would have left me {$78.00} now I am being a {$25.00} fee because the account is closed, that fee should be waived because Capitol One chose to close my account. I opened a Capitol One 360 but I am unable to put any money in it right now, I was told it was due to Regulation D but it I also talked with an attorney and he advised that Capitol One could have given me more time before closing the account. Now my direct deposit is delayed and other bills will be late getting paid. I want my account reopened due to the way Capitol One conducted business with me. Capitol One should have did a better job of explaining it, I opened this account over 10 years ago and did not have issues until XXXX, the statement only times you what you withdrew but they do not say that you went over or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: NC

Complaint narrative:
My wife had lost her debit card and had a pending service appointment at a hair salon XXXX XXXX, XXXX, NC XXXX. I called the salon and inquired if they accepted checks for payment because we needed to cancel the appointment, otherwise. I was told by the salon they would gladly accept our check for payment. When my wife completed the service and presented the check for payment it was rejected by Telecheck, record number XXXX. We called Telecheck at XXXX to ask why and were told under no circumstances would they accept the check for the merchant. The reason we were given is not that we have written bad checks, we have never had a check returned, but that they had insufficient history to approve the transaction. There is nothing posted conspicuously, nor disclosure from the merchant, that a consumer is required to obtain pre-approval with Telecheck to present a check for payment. Further, we had to go through the embarrassment of making other arrangements not because of negative history, but because of no history at all ( that happens when you do n't bounce checks XXXX. Let me ask, how am I supposed to establish a history with Telecheck if they wo n't approve check writing in the first place? How am I supposed to know I need pre-clearance with Telecheck if it is not disclosed as a requirement?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
My mortgage is through bank of america. I also pay pmi which as of XX/XX/XXXX2016 it is suppose to be automatically terminated. Bu I still paid it on the XXXX statement and has not been scheduled to come off for XXXX Ive called BofA to make them automatically terminate but they give the usual generic answer about reviewing the loan. I originally financed through XXXX Bank and BofA bought the loan and on my loan docs it says by amortization schedule on XXXX XXXX, 2016 it is AUTOMATIC TERMINATION if current on payment and are at 78 % on ORIGINAL property value. PMI is XXXX per month and believe I should be refunded ( and not have it added to escrow ) for XXXX 2016 payment plus have it removed permanently. They are currently in breach of a legal binding contract.

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 monetary relief
Consumer complaint received 2016-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: First Data Corporation
State: MN

Complaint narrative:
I am still having problems with my personal checks being declined by TeleCheck Services , Inc. I need to know the reason why my checks are still being declined. I want to be able to write and use my personal checks, without my personal checks being declined. I want TeleCheck to approve my personal checks. I have a current available checking account balance of : {$50000.00} with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: First Data Corporation
State: SC

Complaint narrative:
I called the company advised them of an unauthorized transaction and was told to fax a paper stating why. I advised the company I did not authorize the company to draft my account. The company denied my claim stating the company has drafted my account once before. I called the company and told them I made a one time payment and that I did not authorize any other transactions. The company advise me that if I paid a company one time they had permission to draft my account any other time after that. I asked if I went to XXXX and swiped my card and 4 months later they charged me again would that also be authorized the representative advised me yes. I am in disbelief that I am going through so much to get my money back from an illegal transaction.

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: Rocky Mountain Service Bureau, Inc
State: WY

Complaint narrative:
I have been making payments to the hospital of XXXX XXXX for a couple of years. When they sent me to collections. I have since paid the hospital in full, however the collection agency in now sueing me for interest and court costs. Going to court XXXX/XXXX/2015 at XXXX.

Company response to consumer: Closed
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
I 've contacted company on several occassions and verified the account is n't mine. They are still reporting it to the credit bureau agencies reports.

Company response to consumer: Closed with explanation