vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
My name is XXXX. I had a few cases open with Bonneville Colletions in XXXX. I have been paying payments to them for around XXXX months. I finally have my credit repaired to the point my bank said they would loan me the money via signature loan for the pay off amount of XXXX dollars that I had discussed with the woman working my case 's my wife and myself both had case 's with them. After me asking repeatedly " are you sure these are all of my case 's '' and her assuring me that that was all of them I signed for my loan and my bank sent a check for the XXXX dollar sum. The check was received by Bonneville Collections on XX/XX/XXXX and on the very same day I received a call from XXXX requesting a payment from me. I then notified her of the settlement and that they would have a check there in the amount of XXXX dollars. I was then informed by her that the settlement was not with " her department '' and that they did not honor the agreement or any of the case 's that she was working on. I repeatedly asked to make sure all of my case 's were accounted for and also that I would no longer owe Bonneville Collections from the date they received the check in the pay off sum of XXXX dollars, to that they answered all were accounted for and I would no longer be indebted to them. I have a fax from them as notice to the pay off amount dated XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX I wrote Shellpoint by USPS on XXXX/XXXX/XXXX about a lower APR on the XXXX XXXX XXXX property and they called me, but did not offer a lower rate. I wrote them again on XXXX/XXXX/XXXX about correcting the maturity date on the same property and received no phone or written reply : There has been an error in the maturity date of 30 years from XXXX of my two first mortgages. I live at XXXX XXXX and my son lives at XXXX XXXX. Please send me the following information for each of the two loans ( XXXX XXXX XXXX XXXX, OH XXXX account # XXXX and XXXX XXXX XXXX XXXX, Oh XXXX account # XXXX ) : The house my son lives in, account # XXXX, still has the original APR rate from the origination XXXX date and never received H.A.R.M. Since the terms and monthly payments did not change, the maturity date of XXXX should not have changed either. Why is the maturity date XXXX and I have already paid 11 years on this loan? 
The house I live in, account # XXXX, received a new APR through H.A.R.M. and the monthly payments did change. I thought the maturity date would be XXXX and not XXXX since I had already paid a significant amount on the mortgage since XXXX. 
I have been retired since XXXX. I am XXXX years old and my mortgages have the sharecropper effect of never being paid off. I do not want to pass away and never truly own my home nor leave my son debt strapped with mortgages. I purchased the XXXX XXXX XXXX home in XXXX with the original maturity date of XXXX. I purchased the XXXX home in XXXX by using my XXXX home. Please explain why the XXXX maturity dates of both homes did not maintain their original maturation date ( especially the XXXX home ). 
When will the errors in the maturity dates be adjusted ( especially the XXXX home since its APR, terms, and payments never changed from XXXX like the XXXX home changed in 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 2016-05-25 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: JH Portfolio Debt Equities, LLC
State: TN

Complaint narrative:
Jh portfolio debt I have a unverified account from Jh portfolio collection. I had previously disputed this account. I have never done business with agency. Pursuant to the fair debt collection practice act ( fdcpa ) I disputed the validity of the debt. I request that jh portfolio provide verification of the following : 1 ) the original application or contract. 2 ) any and all statements allegedly related to this debt. 3 ) any and all signed receipts 4 ) any and all canceled checks 5 ) original date of default and collection activity begin 6 ) whether you purchased the debt 7 ) the date ( s ) the debt allegedly accrued 8 ) an itemitzation of the costs, including an accounting for any additional interest, charges, or other fees placed on the account. I want to request jh portfolio debt cease and desist all further communcation activity and provide verification of purported debt. On XXXX XXXX jh portfolio also reported to XXXX credit reporting that I paid XXXX $ on said account. I would like documentation i.e. Voided check, debit card payment or printed receipt of said transaction. Misstating the consumer paid on this account may constitute a violation of fair debt collection practice act. The FDCPA prohibits the use of any false or deceptive or misleading representation in an attempt to collect a debt see U.S.C 1692e

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 2016-12-16 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: FL

Complaint narrative:
I have no knowledge of this dept

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 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PulteGroup, Inc.
State: NM

Complaint narrative:
During the application process and choosing a new home, Pulte failed to estimate taxes correctly in the Good Faith Estimate before closing and disclose the area had a special public improvement tax on top of that. The estimate we received in the GFE was in the {$200.00} range per month, and our actual as of XXXX XXXX after assessed will be {$600.00} per month. As XXXX, we would have never qualified for the loan on a $ XXXX month payment. We anticipated with our GFE, going into closing we would be at {$1500.00} per month. Our escrow estimate was completely off and we can not afford our home.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 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: The CMI Group, Inc.
State: FL

Complaint narrative:
I pulled my credit report on XXXX XXXX, 2016 and found a collection listed on XXXX XXXX, 2016 from Credit Management LP. I have had no prior contact with Credit Management LP and have no agreement nor contract with them. The contacted XXXX separate third parties concerning this alleged account illegally. 

Credit Management LP never sent a notice to me that they were attempting collect a debt, instead they just reported this unvalidated debt to all XXXX credit bureaus and in doing so violated the Fair Debt Collecgtion Practices Act 15 USC 1692g Sec 809. This law provides me the right to dispute their claim and prevents them from reporting their untruthful claim to credit bureaus if I dispute it. The violated my rights and the law by not notifying me of the alleged collection account, then again by contacting a 3rd party about it. 

I sent a Notice of Pending Litigation letter seeking relief and monetary damages to them on XXXX XXXX, 2016.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
While in the process of refinancing my home on XX/XX/2017 the loan processor attempted to obtain a payoff letter from Shellpoint Mortgage Servicing sent directly to XXXX and was told it would take 48 to 72 hours to send. On XX/XX/2017 loan processor was told I being the mortgagee could only request the letter which I did that day and on XX/XX/2017 on those days was told the same thing 48 to 72 hours to process the letter, on XX/XX/2017 made another attempt to request the pay off letter I was told i would have to authorize in writing which was done when original request was made to Shellpoint by the XXXX loan processor also that this request would take 3 to 5 business days, also that Shellpoint is a collection agency that purchased my loan several years ago and that my original loan is at 7.3 % interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 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: The CMI Group, Inc.
State: WA

Complaint narrative:
I challenged this debt with XXXX and XXXX in XXXX 2015. The result was that I won the challenge and the debt was removed from both reporting agencies on XXXX XXXX, XXXX Credit Management Co. has reopened a report of the debt on XXXX XXXX, 2015 and reported again on XXXX XXXX, 2015. It is my understanding that it is illegal for them to take this action. This has a negative impact on my credit report and I want it to stop.

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 2016-07-06 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: RGS Financial, Inc.
State: VA

Complaint narrative:
Just learned that XXXX XXXX has once again placed a debt that was removed from my credit for aging this account. I was not notified, verbally or in writing about this debt and it appears to come after filing a complaint with your company and the debt was removed from other reporting agencies. 

Spoke to XXXX XXXX and was told XXXX XXXX account is now with them and they are the debt collector. This debt has been disputed and disputed and removed at lease twice. When I paid portions of the bill and the company discontinued the process and then sent to collections. It has been removed at least 2 times and they continue to age this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
I had a credit card from XXXX that was charged off back in the year XXXX. The account was then later sold to a Florida entity named XXXX XXXX. Around from XXXX XXXX to XXXX XXXX I was on a duty XXXX. Upon my return a year later with no prior correspondence the collection company served my roommate. I showed up to court and made payment arrangements that were inflated with interests. While I was making payment, I called in and inquired about making a payment that consisted of a large sum to be distributed evenly across a number of months. The representative on the phone accepted the payment and they defaulted me the following month for non-payment. I was a student and not working, they placed a lien on my bank account. I had a lawyer submit a file to remove the lien and told them he would be representing me from that point forward. Since then, the attorney has n't received neither calls nor correspondence from XXXX XXXX XXXX XXXX, neither have I. On Monday XXXX XXXX, at about XXXX XXXX a sheriff showed up to my apartment with a court execution order to levy my property. He parked behind my car and forbade me to leave the premises without handing over my car keys unless I wrote him a check for {$4600.00}. I pleaded with them that this car is how I earn my income as a ride share driver, he called a town truck and impounded the car with a notice to resolve the matter in 45 days or the car would be sold. Since then I have filed a Notice to Defendant of Right Against Garnishment, Wages, Money, and Other Property. I contacted the collection agency and the person handling the case advised me to have my lawyer contact them. He has tried for the past three weeks and has n't successfully spoken to anyone except for a secretary who told him someone will return his call. It appears I have n't been giving any choice in this matter. I was under the impression they 'd want their money but instead they rather have me suffer and not earning an income. I do n't understand how this is justifiable. I 'm going 21 days without my car. It 's costing me {$32.00} per day on average to travel to a per Diem job where I 'm only earning {$85.00} before tax. My hands are tied at this point, I just want to resolve this issue. Thank you.

Company public response: Company 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 — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
A company called JH Portfolio is wrongly reporting a collection account on my credit file with all three national credit bureaus. XX/XX/XXXX a company named XXXX was incessantly calling me about collecting an alleged debt. I told them to contact me by mail. On XXXX XXXX, XXXX they sent me a letter claiming that JH Portfolio has hired them to collect money from me and that they were offering me 70 % discount on {$2300.00} I owe JH Portfolio debt Equities. So they were asking me to send them {$690.00}. I responded to XXXX letter asking them to validate their claim, which they never did. But to my surprise and without any notice, on XX/XX/XXXX JH Portfolio reported a collection account for {$2300.00} with remarks saying '' account placed for collection '' in XXXX/XXXX/XXXX and " Date updated '', XXXX/XXXX/XXXX. 
These remarks are strange since JH Portfolio Debt Equity appeared on my credit reports for the first time on XXXX/XXXX/XXXX and I am not sure who placed a collection account with them. JH Portfolio Debt Equities did not sent me a notice for {$2300.00} debt before inserting negative information on my credit file. On XXXX XXXX, XXXX I addressed them a letter asking for debt validation. Until now I have not heard from them but on XX/XX/XXXX they inserted new remarks on my credit reports saying '' account information disputed by consumer, meets FCRA requirements ''. How can account information meet FCRA requirements when they inserted negative information without prior notice to me and are refusing to respond to my request for validation?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
My first mortgage holder, XXXX XXXX XXXX transferred my loan to XXXX. This was after it fraudulently sold the defaulted loan to investors, and after it made a claim for the FHA insurance and converted the loan to a conventional loan. I dd not receive an updated notice of this new loan and its terms. XXXX bought this loan from XXXX XXXX XXXX last year, and my wife and I worked with XXXX to do a short sale, all the paperwork was done, the payoff notice was sent from XXXX, the payoff check was ready, the deal was to close on XXXX XXXX, 2016. On XXXX XXXX, XXXX sold the loan to Shellpoint, refusing payment, thereby invoking UCC rules. Shellpoint has no valid claim to this debt. By refusing to take a payment that would have made more than the full amount of the original loan, more than what XXXX paid for the loan, it is no longer entitled to the debt. Nothing more is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PMAB,LLC
State: NC

Complaint narrative:
I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bonneville Billing and Collections
State: CA

Complaint narrative:
I have repeatedly requested that Bonneville Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
I discovered this {$610.00} debit on my credit report witch was a utility debt from my ex wife So I paid off, and receive a letter from collection agency saying that I do not owe anything. I have sent this letter to all XXXX agencies, and never get any answer from them. This has been 5 years since I have paid the debit, and it still showing in my credit report as unpaid on XXXX AGENCY So my credit is lower then it should be only because of this derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
I have been receiving phone calls from a company called PCB about a medical bill from a year ago. What 's alarming to me is I have yet to receive a detailed statement, as this was from XXXX year ago. 
I spoke with my previous insurance company and was informed there is no outstanding balance, and I have documentation as well. 
I 'm being intimidated by a representative named XXXX, that I have to pay my debt which I do n't have. Upon trying to get further information and explaining the situation once again, I 'm either put on hold for a long duration or they disconnect the call. 
The reps name is XXXX from PCB, and the number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Shellpoint Mortgage Services XXXX, fraudulently Increased the interest rate on my mortgage and then put my loan into collections when I disputed the new interest rate. I submitted my " borrowers copy '' of the loan documents stating the rate of 2.25 % for 40 years. They have not provided me any information and have placed me on a " dual track '' accelerating my loan into collections and foreclosure while they are " reviewing '' my dispute. I have never been able to speak with or have received any communication from a personal loan specialist over the past 4 months. I have spoken to over XXXX different customer service agents, non of which can help me and give conflicting information each time I call. I have been given longer " review '' times for my interest rate dispute each time I call. The first time I called I was told the review would take XXXX4 days, then up to a week, then XXXX14 days, then up to 30 days and the last time I called they said it could take up to 45 days, but no one is ever available that can let me know where they are in the process or provide me any information. I have recently been told that they may file for foreclosure on my home in 2 weeks. I have been paying my mortgage for 10 years and I was never late on a payment. I just do n't understand why Shellpoint Mortgage Services is allowed to play games and not give me a point of contact that actually works there and I 'm able to speak with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I have a negative item on my credit report from ShellPoint Mortgage Serv which was opened in XX/XX/XXXX. The original debt was with XXXX XXXX XXXX which has since been absorbed by ShellPoint Mortgage. It was the joint responsiblity of myself and my exhusband, XXXX XXXX. In XX/XX/XXXX I filed Chapter XXXX. All of my debts were discharged in XXXX XXXX. I have contacted the company, including an officer of ShellPoint to try to get this resolved on all three credit reports. The company will not correct their records. I am taking significant hits since this is a negative itme on my credit reports, the ONLY negative item. 

Can you help me? 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief