vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: JH Portfolio Debt Equities, LLC
State: MO

Complaint narrative:
Credit Control LLC Is trying to collect a debt past the statue of limitation that is 15 year old I live in CA which is 4year Moved to MO XXXX there in MO is 6 year Just got a mail from there want XXXX on a card that was what the bal. is the bank is close I think ( XXXX Bank in XXXX ) then sold to XXXX bank then was sold to XXXX They can not try to collect past the statue of limitation that old I have letter that it was charge off XXXX please help they have reported as XXXX XXXX XXXX this should have been moved I check my credit report and it still there

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Mortgage Co on paper said they paid my taxes for 2015 and has not done. They keep on saying they will. The name of the mortgage co that XXXX XXXX sold is SHELL MORTAGE SERVICING, XXXX, S.C XXXX -- XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I HAVE A DEBT ON MY CREDIT REPORT FROM CREDIT MANGEMENT FOR XXXX STATING FROM XX/XX/2010 ON BEHALF OF XXXX. I CALLED CREDIT MANAGEMENT, THEY STATED THAT I DID N'T HAVE ANYTHING IN THEIR SYSTEM FOR THAT CREDITOR OR THAT AMOUNT FOR ME, YET THEY WILL NOT REMOVE IT. FROM MY XXXX CREDIT REPORT

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 2015-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
We are still $ XXXX under water on our mortgage. I could not re-finance my VHDA loan. I asked numerous times for a solution. So we began the short sale process. We have a contract and PMI wants $ XXXX XXXX in {$150.00} a month payments for 100 months ). They finally offered a re-finance deal after I moved out ( {$300.00} a month lower for three years ). They are threatening to come after me for $ XXXX if I foreclose. I have {$8000.00} in savings and had maybe $ XXXX last time at this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management has called me repeatedly at my place of employment after I have asked them to remove my work number from their call database. The representative continues to try to talk to me and sometimes escalate their voice trying to talk over me. 

In addition, the representative asks me to confirm personal information prior to disclosing the company in which they are calling from and about. 


Not only is this annoying, it seems to be a violation of my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
I would like to dispute any debt on the alleged account this debt collector says I owe.I 'm attaching a letter on regards.

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 2016-02-09 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: WI

Complaint narrative:
Credit Management, L.P. of XXXX, TX XXXX Is attempting to collect {$220.00} on the behalf of XXXX XXXX XXXX when I have not had a XXXX XXXX XXXX account in some 17-18yrs. I check my credit report on a yearly bases and never has such a debt shown up even once. Yet this company is threatening to throw this on my credit reports at a time when credit worthiness is so vastly important to so much we as a society do, home-ownership, purchasing a car, paying for our children 's college education ( in my case ) -even to the point of being hired. The purchasing of debt-old debt in most cases, and illegally re-aging or using as leverage to force those of us desperate to not take the hit to our credit-even temporarily ( for even a XXXXpoint hit for 2-3months-can hurt a person looking to buy a house at that time ) needs to be enforced harder, with bolder penalties. For these are very real lives these companies are toying with. And Credit Management has been caught enough times doing this that they should know better and not be allowed to hide behind the " Ooops! We made a mistake '' excuse, while throwing the affected consumer sideways.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
Unknown to me, XXXX XXXX XXXX XXXX sent my closed account to a collection agency, Credence Resource Management, LLC. XXXX XXXX XXXX had not informed me of any bill due. I had no idea. In the meantime, Credence Resource Management calls me over a XXXX times a day from different phone numbers. They do n't leave messages and when I answer they will not tell me what the call is about. I asked and they said they could not disclose. These people have called day and night, weekends, evenings, mornings, at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 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: The CMI Group, Inc.
State: NJ

Complaint narrative:
I received a letter from " Credit Management , L.P. located at XXXX XXXX XXXX, XXXX, TX XXXX. They say they are collecting this debt for XXXX. The the amount is for {$500.00} for the year 2013. I contacted XXXX and they say they can not go back that far in their records. They also say this is a fraudulent account. I am also a victim of identity theft and I have a file located in the XXXX, NJ Police Department.

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 2016-05-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I paid to them a bill that was owed, but I was told I would received an email verifying payment and received written statement that this bill was paid in full. I have received NOTHING CONFIRMING my payment. Glad I paid by credit card.!!!!!! I want my proof I am PAID IN FULL!!!!!!!!

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 2015-10-14 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: RGS Financial, Inc.
State: PA

Complaint narrative:
I do not know who they are but they are calling me on a work issued cell phone number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Credit & Collection Corporation
State: IL

Complaint narrative:
I received a message from Global Credit and Collection company who said it was attempting to collect a debt I owe. I called the number back who said it was a non working number for XXXX. This same company left a message on XXXX other phone numbers that have never been associated with any account I have. It was disclosed on answering machines/voicemail that they were attempting to collect a debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: First Data Corporation
State: PA

Complaint narrative:
XXXX sent a money network card with {$1000.00} on the card. On Saturday XXXX XXXX, 2016 I received mail from Money Network stating to send in SS number and Id. I fax the information required and the hold still has not been released. XXXX also fax over document. The company is holding customer funds. and taking personal information from united state consumer. The hold was place on my account on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Got a loan at Advance XXXX in XXXX, TN. was under the impression like every place you go you get a one time fee not a fee everytime you make a payment, been paying on this loan since XX/XX/2016 and has not got down not even a couple hundred have been paying {$200.00} e/o week and statements show i pay a customary fee of {$170.00} each time this is ridiculous how can they do business this way I 've paid more of customary fees than interest at this point, I also asked them about the installment loan which i thought that is what i got into looks like they did n't even do what I requested because they are just out to get people that dont know any better, I 've never had this happen to me before its really ridiculous that I owe more than what I actually borrowed 4 months later

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Advance Financial has automatically debited my account for XXXX payments on another persons account. I helped this person out previously by paying her payment. However, I was never co-signer and I am not responsible for her account. Without my permission they have withdrawn XXXX payments on 1 day for her account. I would like to know if there is anything I can do against this. at this point they are saying they can refund me in 3-5 business days, but in that time i have bills due.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
They sent me a bill for {$95.00} to pay the account in full. I logged into their website to pay this amount. I paid {$95.00} with a credit card. I discovered 17 days later that they actually drafted {$130.00} from my bank account.

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 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: First Data Corporation
State: GA

Complaint narrative:
Unknown account listed on my credit file which I disputed and no response. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
We bought our home back in XXXX about two thousand and thweve and we had nothing but problem since we had it and from the start when we did get our home there was pose to be things done to it, which was the complete both outside of our mobile home was to be repair cause of siding was needed to be replace of which it was rotted out and we was told this would been done and also our complete roof would be replace and which this was not done either and also before we move in, when we look at our mobile home we saw that their was new complete appliances which was new kitchen stove and over the microwares, new dishwasher, there was a refrigerator in the home when we look at the place and also new complete washer and dryer to do your clothes and also we had to repair the kitchen faucets after we move in and this should not have happen and also the heater and air conditioning unit would not work and we had to call the repair man out which was many times to fixed it right and to this day it stills is not working so good and yes we have sent letters to our mortgage company many times and this was done before we move in and after and to this day and yes we had to replace the XXXX toilets in each of our bath rooms because we had water going all over the bathroom floors and we kept looking to see the place it was coming from and there was clacks on the side of both toilets and yes I or we did replace them at our cost and now when we had to take up the carpet in XXXX of our bath room we saw that the floors underneath is bad and now we are going to this day have to replace this of which we do have the materiel to do the job with which we had to buy these things to do it with and the labor we are doing it ourselves and also we found others problems and yes we sent letters showing al of this to the mortgage company and nothing done as to we had to replace all XXXX fans and light kits in both of our bedrooms and our dining area which was not working after we move in and yes we said something on this matter too and yes we have all of this in written form to our mortgage company and yes we have found few others problems too we did not know and to this day we have put out money of our pockets which we should not have or had too and no we did not buy this home as is and I know better than that because I been around all of this over the years and yes we asking for these things to be repair at no cost or money back to us on what we spend so far and other too

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
we refinanced a mortgage with Third Federal in 2009. All payments made in full, never later up until we paid off early on XXXX XXXX. We were told to expect escrow refund approx. 
{$1600.00} with XXXX to 10 days before end of month. Have been calling since XXXX and were told stop pay would be issued and new check sent because we only received statement showing XXXX XXXX but no check. Have made over dozen calls, on hold for hours but no one will confirm that " lost check '' has been reissued. Can not fathom how a statement can be sent stating account is CLOSEDOUT if refund has not been issued. They keep putting me on hold to confer with " other depts. '' I am doubtful that any check was ever even issued for this refund and do not understand why this was not handled when loan was paid off in full on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a " demand '' letter on my 2nd mortgage with Third Federal, giving me 35 days to pay them {$50000.00}. This mortgage had been " written off '' supposedly as I was a casualty of the Great Recession having lost my full-time job in 2009. I was unable to send them the {$50.00} per month payment for the last several years as I was also carring for my adult son who is on social security XXXX. This letter came out of the blue as the first mortgage is current. I recently got a full-time job which is a miracle as I am XXXX years old and receive social security. I certainly can not pay the balance off. Third Federal refuses to return my calls. I make too much to qualify for help from Legal Aid but am unable to afford an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 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: Credit Protection Association, L.P.
State: NV

Complaint narrative:
CREDIT PROTECTION ASSOCIATION, L.P., seeks to collect a debt that is not mine, is unenforceable, and barred by the California Statute of Limitations ( 4 years ). I have not been served, nor does court records indicate, that a filing or judgment of the matter exists in California. I have incurred costs of a California Licensed Investigator in obtaining this information. 

The debt is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-30 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: Credit Protection Association, L.P.
State: MA

Complaint narrative:
My Identity was stolen back in XX/XX/2012. I made out a Police Report with my cities Police XXXX XXXX XXXX. I also made the steps to put my credit on lock down for a few months. I went through all the steps I was suppose to ... I even sent a copy of the police report to the XXXX itself XXXX times ( I do n't live in XXXX nor have I ever ).

Company response to consumer: Closed
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CT

Complaint narrative:
About XX/XX/XXXX XXXX XXXX made a predatory loan to me on my home. It was a negative amortization loan which I did not understand. The balanced balooned to $ XXXX when XXXX bought XXXX. I submitted multiple modification requests to XXXX and later XXXX. None were accepted because they kept claiming they lost the paperwork. XXXX sold the note to a hedge fund after a failed attempted short sale. The hedge fund located in XXXX, XXXX has refused various modification proposals and a refinance that I arranged through XXXX XXXX XXXX. They kept litigating to foreclose and take the property away from us. I declared bankruptcy on XXXX XXXX, XXXX and have bought some time but not much. BSI Financial the servicer refuses to cooperate as well. They have given me the run around. My loan number with BSI is XXXX, The loan is under XXXX XXXX. I invested {$450000.00} ( probably more than the hedge fund ) in the house which I bought for $ XXXX in XX/XX/XXXX. The original mortgage was $ XXXX. I got laid off from my job in XX/XX/XXXX from XXXX XXXX but kept up my payments until XX/XX/XXXX. Recently as I expressed to BSI Financial, my income is $ XXXX/month yet they refuse to modify. I also have a commitment from XXXX XXXX XXXX for a {$750000.00} new mortgage which they also refuse to consider. I need your help. We are hard working Americans and I was a XXXX XXXX and have an XXXX from XXXX University in XXXX. The market has been very bad in XXXX but we have been able to survive. I need you to set things right so we do not lose our home. I have XXXX children and have been married for 20 years and together with my wife 30 years. Please help. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
PLEASE USE THIS COMPLAINT AS OPPOSED TO CASE NUMBER XXXX. 
I added the word CONSUMER to the complaint question. 

I would like Third Federal Saving and Loan to respond to this question ONLY I am a woman ( NOT AN ENTITY ) who participated in ***CONSUMER*** CREDIT TRANSACTION soley for PERSONAL, FAMILY AND HOUSEHOLD PURPOSES, please explain in detail, how the [ Promissory Note/Note/Financial Asset/Security Instrument ] ended up in a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$310.00} with a collection Agency without knowing the name of the previous company.

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 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
We have been trying to work on a modification through BSI for XXXX XXXX since XX/XX/XXXX. The servicer stated they sent missing documents letters and set a foreclosure for XX/XX/XXXX which our firm was able to get postponed and we resubmitted for modification. I spoke with the assigned agent today, XXXX XXXX, who stated that the borrower is not entitled to a modification review and that they sent a denial for missing documents on XX/XX/XXXX when in fact I received a complete application letter on XX/XX/XXXX and on XX/XX/XXXX they stated the file was still under review. I called them again on XXXX/XXXX/XXXX and the assigned agent was not available so they said they could not give me an update, the only agent allowed to discuss was XXXX XXXX. I left a voicemail to which I received no response. Today, after calling twice, a customer care agent was able to reach her and she rudely stated the account was denied and that the borrower had not paid for X amount of time therefore, the denial should not be deemed " unfair ''. We want to formally file a complaint as we believe their processes to be unjust. Now, they will deny any application and the agent stated, per your guidelines, they can decline if the application is submitted within 37 days of the foreclosure, yet we have been trying to get this completed since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation