vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Servicing has been informed that they are publishing a Time Barred Debt that is no longer enforceable under the Applicable State laws. They are also making claims to be acting on an Investor named XXXX as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trust. That this firm : Shellpoint Servicing was informed several times over to stop publishing a Debt to the Public that is not valid not true. They are attempting to foreclose on a debt that has an expired SOL and a non enforceable and Stale Debt as well as the underlying debt/and Deed to be outside of the timelines of collections. This false claim is being published on XXXX each month and shows to publish a debt claimed as owed of XXXX XXXX. Please cease this publishing of this debt. Under CA : XXXX ; along with the underlying XXXX being expired : and under XXXX this expired at SIX YEARS. See attached Letter of Explanation. Each attempt to explain is answered in stating they somehow are not understanding what is being said. See exhibits that include the answer by Shellpoint. THE NOTE WAS ACCELERATED BY XXXX ( SEE ATTACHED ACCELERATED LETTER ) CALLING DUE THIS NOTE : AS OF XXXX/XXXX/XXXX. Then after SIX YEARS an untimely claim to a debt : then claiming XXXX Due : however this was filed inaccurately and filed after the expiration of the stale debt by recording a Notice of Default on XXXX XXXX '. This NOD was disputed at the time, however new events of abusive servicing occurred, including stepped up ramped up illegal actions. The topic of this complaint is to state this is a time barred debt as of XXXX XXXX ' AND THAT THE LATER XXXX XXXX ' FILING OF A NOTICE OF DEFAULT WAS TOO LATE TO CLAIM ENFORCEMENT RIGHTS OF AN EXPIRED DEBT. Later in a BK filed in XXXX XXXX XXXX ' it was discharged debt in the bankruptcy. However under XXXX and the marketable records act : this together with XXXX this is not enforceable under the claims being made by the parties named : Shellpoint Servicing : XXXX AS trustee for XXXX XXXX XXXX XXXX : & or XXXX having no right to publish this DEBT as being owed. This is causing to tarnish my reputation in my business, and effect my income. This is slander. Please stop all further illegal collection acts. Remove this Sale Date that was caused by this defective claimed Notice of Default and stop making false claims and release this lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX my husband and I was a customer of XXXX Mortgage and then XXXX XXXX XXXX purchased the account. Since 2014 around about XXXX we asked for a home mortification and learned XXXX XXXX XXXX was told by The State Attorney Office in a Lawsuit to help people keep there homes in XXXX 2014. XXXX XXXX XXXX sold our account to Shellpoint Mortgage again we were told to submit paper to work to help us save our home. No one at XXXX Mortgage has worked with us, all income and bank statements proved we have gotten back on our feet to save our home. We have left messages and again no one will help us. My husband received a XXXX and we got behind while he was recoving XXXX. We need the help the was promised to us!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: EdFinancial Services
State: CA

Complaint narrative:
XXXX is reporting XXXX accounts with XXXX missed payments. Accounts are dated 2006 and should be deleted since they are over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was denied a HAMP modification based on an income of {$2600.00}. I do not see where or how Shellpoint came up with this income when I provided Shellpoint the documentation reflecting my monthly income to be {$4800.00}. I receive {$1500.00} in XXXX for which I 've provided an award letter and a check stub from them. I also provided my pension award letter which I get as a monthly amount of {$1900.00}. My son is a contributor since my husband, his father passed, and he contributes {$1300.00} monthly to my household income. I have also provided Shellpoint his paystubs and contribution letter. Shellpoint has all the information necessary to reflect my income being {$4800.00} yet they came back with a much lower gross income. I can not afford to lose my home because of negligence. Please help me stay in my home. I have never ever been late on a payment up until now. I need my loan to be modified! I need Shellpoint to help me!!! I have every intention necessary to pay off my loan and pay it on time with a new principal and interest mortgage payment. I have the history to reflect that I have done so all these years so far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Como Law Firm P.A.
State: MN

Complaint narrative:
Attended 1 year of college at XXXX University in XXXX XXXX, MN. Was unable to pay for the loans after leaving. I am now in a position to pay the loan but the law firm handling my debt wo n't return my calls to work something out. I have been garnished and leveed without receiving a summons to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The information is incorrect for the following account & is being reported to XXXX, XXXX & XXXX Credit reports. 
SHELLPOINT MORTGAGE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
This company has been known online to contact people concerning aged debts which they have purchased from other companies and are trying to collect on. These debts are mostly over 20-15 years old and they have been known to send letters to people stating they will collect and garnish wages. It is illegal to purchase aged debts from other companies and then treat them as if they are new debts. They know this and are preying on those who do n't know their rights. This company needs to be stopped. Here is a link describing some of their practices which include changing the amount of the debts owed on accounts : XXXX. They operate out of Florida with locations in XXXX, XXXX and XXXX XXXX. They had other locations but I guess those closed down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have been trying to get a Short Sale on my home from Shellpoint Mortgage Services. The closing was set for tomorrow, XXXX XXXX, 2016 but had to be adjourned because of issues with Shellpoint. I have had to submit numerous documents multiple times to them because they kept saying they did n't receive them or were the wrong form, etc. I have called my representative at Shellpoint numerous times and she never answers the phone and never returns calls. Then she went on vacation and no one else seems able to help. It is my contention that they have received all the necessary paperwork, etc from me and my attorney but due to their incompetence the deal keeps getting delayed. Shellpoint already approved the Short Sale conditionally but we had to adjourn the closing because they say they did n't get certain forms back in time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 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: Convergent Resources, Inc.
State: IN

Complaint narrative:
XXXX has turned me over to a debt collector ( Convergent ) for equipment charges from when we lived in XXXX. We moved from XXXX to XXXX at the end of XXXX, XX/XX/XXXX and have not heard anything from them until we got a letter from Convergent on XXXX XXXX, XX/XX/XXXX. Our mail was forwarded for a year after moving and we had been on paperless billing and auto bank withdrawal for our monthly charges. We never received a bill in the mail and never got any emails from XXXX after moving. 

After 2 weeks of trying to resolve this with XXXX, they say we owe {$130.00} for equipment that they say we did not return. Before we moved, we DID return our equipment and had a receipt which we had kept until approximately the beginning of XX/XX/XXXX. We have since destroyed all paperwork from XXXX assuming that all was well since we had never heard anything from them during that time. XXXX says that they will remove the charge when we produce the receipt.We HAD a receipt we could have given them if they had contacted us within a year or so of moving. 

We did all of our own packing for the move so the items could not have been packed by accident by movers. We were moving out of state and had no use for their equipment. If we had been contacted in a timely fashion by XXXX, we could have proved our case. Waiting almost 3 years to finally contact us via a debt collector is not fair to us as we can not prove that we returned the equipment at this point in time. We do NOT owe XXXX {$130.00} for equipment that we already returned to the company. 

We have contacted the Attorney General 's office in both XXXX and XXXX. XXXX said it was not their problem since it occurred in XXXX and I should contact them. I was only able to leave a message with an attorney at the XXXX AG office and he has never returned my call. Surely some kind of statue of limitation exist regarding how long I 'm expected to keep a receipt from a cable company

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 2015-06-10 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: Como Law Firm P.A.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX dismissed XXXX XXXX XXXX, XXXX judgement for an unpaid balance of {$10000.00} on XXXX XXXX, 2015, but debt collectors from XXXX XXXX continue to repeatedly call me and harass, verbally abuse and swear at me and threaten me with arrest and wage garnishment. The debt do not belong to me. The court dismissed the judgement against me. XXXX XXXX XXXX XXXX, is in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PulteGroup, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX my husband and I entered into a contract with Pulte Mortgage for a new construction home in XXXX, FL. The home was scheduled to be completed in XX/XX/XXXX but was actually completed two months ahead of schedule, in XX/XX/XXXX. Pulte Mortgage denied me the financing on XX/XX/XXXX because I did not qualify for the home ( I was in the process of saving the required funds to close and also trying to rent out my condo to comply with their request since they were counting the rental income to qualify me for the property ), yet they refused to return my {$2500.00} earnest money deposit. Despite various phone calls from me, my real estate agent, and a written letter from my attorney demanding that they return the deposit, we were unsuccessful in obtaining our {$2500.00} deposit returned to us. It hardly seems fair that Pulte Mortgage initially approved us, then denied us at the last minute and sold our property to someone else at a much higher price when we complied with everything they asked of us. All I want is for them to return my {$2500.00} deposit since they did not give me enough time to qualify for the home, they denied me, and they cured the situation by selling the property at a much higher price than what I was supposed to pay ( I had received a pre-construction price ). Given the fact that they pushed the closing two months ahead of schedule and they were able to cure by selling the property to someone else they should have released my deposit back to me since we did everything that we could and really wanted to buy the home. Please investigate their practices and demand that they return the {$2500.00} deposit to us. I had almost given up when I was recently made aware of your organization and that I may still be under the statute of limitations to receive consideration for our situation. Your assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
My purse was stolen and my credit card was charged and check book was used my account was closed with suspected fraud notation

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 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I recently applied for a XXXX XXXX product, a checking account. I was informed that I did not meet the expectations, hence declined. I assumed that as a result of this inquiry my credit card company has usage imposed restrictions on my credit card ( longer holds, etc. ). Nonetheless, I was told I had a right to know what my credit report had that I was not aware. The agency they reference in the letter was Checksystems. My experience in the past was very negative. I requested a report about three months ago and never received such request. I wondered what is being reported since I was rejected. This is not the first time I have encounter rejections referencing information on consumer report. I have filed previous situations with this agency about them.

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 2016-07-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Hi, on XXXX XXXX 2016 I purchased a XXXX XXXX pre-paid card at XXXX. I opened the package to find the card was clearly tampered with and when I checked my balance instead of {$500.00} there was XXXX and a transaction by someone else for the rest. I followed XXXX procedures and submitted a receipt, my drivers license, and pictures of the gift card. They promised to get back to me in 4-6 weeks. Its been four months and every time I call they say " its processing ''. They have my {$500.00} hostage and I really hope you can help! 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I recently tried to open a Business bank account and was unable because they said that my XXXX was on chex systems. I recently called XXXX, and XXXX and was unable to find any accounts. Those are the only companies I recall doing business with. I attempted to request my business consumer report but was unable. I was sent my personal report instead which showed no history.

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 2016-09-09 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ZARVAD III S.A.
State: NM

Complaint narrative:
I took out a total amount of {$700.00} from this payday lender. To date I have paid them back {$990.00} in interest only. 
XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX On XXXX XXXX, 2016, I placed this account in the hands of XXXX XXXX XXXX and let My Pay Day Loan know that they would be contacted by XXXX XXXX to make arrangements with them to set up a payment plan to take care of the outstanding balance. I provided them with all the information they needed for this process. 

They responded stating they do not work with 3rd parties that that I would need to pay them directly. they continued to charge my bank account which was already overdrawn and they have been denied on XXXX pay dates causing me to incur another {$100.00} in fees on top of what I have to pay the bank back. 

The bank tried on two ocassions to place a stop payment in place but this payday company uses different methods and company id 's to obtain their payments so it has been to no avail. I told them again that they would need to contact XXXX XXXX XXXX and work with them. 

Again they responded and stated that they would not work with them. I gave their information to XXXX XXXX at XXXX and asked that he call XXXX and see if he could get them to set up arrangements. This is in process. 

I ca n't pay my bank back if they continue to attempt these payments. 

In addition, they call me consistently at work, leave no message, and on my personal cell phone, leaving no message if I do not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
We financed a new built home XXXX years ago with Bank of Texas XXXX id number XXXX out of XXXX Texas. The closing was a nightmare. We had gone to close XXXX different times. The closing cost increased and increased as we were told by the loan officer to sell XXXX ours cars and it would increase our credit score. We did this and it lowered our credit score by XXXX points which put us in a different bracket so we had to come up with more money. We ended up staying in a hotel for XXXX weeks with XXXX dogs costing over {$1500.00}. The loan officer said he would pay for all expenses for the hotel. He only gave us {$500.00}. So we were out the other {$1000.00}. XXXX years later I get a bill from Bank of Texas for XXXX stating that I owe them in back escrow that they have been collecting for. My husband and I are now going from a {$2600.00} payment per month to a {$3400.00} payment per month due to this so called " miss communication '' We are devastated about this large of a payment as I was let go from XXXX and was making XXXX per year. I am now working XXXX only making {$12.00} per hour.

Company response to consumer: Closed
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I opened up an investigation with ChexSystems regarding XXXX XXXX XXXX. They opened the investigation, and I was told they had up to XXXX days to respond. The credit union did not respond in time, and the item was deleted from the file. I received a letter from ChexSystems stating that the source has certified that reported item is accurate, therefore the it has been reinserted into my consumer file. I contacted ChexSystems and they informed me that the financial institution has XXXX days to submit certification. They never told me that information when the initial investigation was started. As a consumer I should have been advised of an accurate time frame. The credit union had XXXX days by law to verify the accuracy of the information that was being disputed. They failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
Applied for home loan to purchase a home in XXXX 2016, was sent a pre approval letter. Submitted all required documentation as requested, as well as paid for appraisal. Was told multiple times that all looked good for XX/XX/XXXX closing. Was continually asked to resubmit documentation, which I did. 
Received a call 2 days before closing stating that our loan was denied, due to the fact that we paid rent with cash for four years to the same landlord. 
The landlord had provided 6+ months of rent receipts as well as a letter stating, that we paid cash each month, landlord also filled out BOK form sent to her stating the same. XXXX XXXX, the contact at XXXX that I was working with was very condescending from the get go and only got ruder as time went on as if she did not want to have anything to do with us. 
Fast forward to XXXX 2016, we have gone on to speak with a different mortgage company and repeated the drill, providing documentation, etc. 
they as well as I have requested the appraisal be transferred to them from BOK and XXXX XXXX refuses to do so. So we are now having to pay for another appraisal on the same property that was just appraised XX/XX/XXXX. 
Of note when I was unable to get XXXX XXXX to transfer the appraisal and my husband called to request the same, XXXX XXXX was extremely rude, condescending and in fact hung up on my husband.

Company response to consumer: Closed with monetary relief