vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-22 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: First Data Corporation
State: OR

Complaint narrative:
A check which I wrote to XXXX for {$25.00} was returned, and I received the following email from XXXXXXXXXXXX : Greetings from XXXX. 

XXXX uses TRS Recovery Services , Inc. ( " TRS Recovery Services '' ) to process customer payments made via electronic bank account transfers. TRS Recovery Services has been notified that your financial institution was unable to process a transaction relating to your recent XXXX order ( s ). Some of the more common reasons that this may occur include, mis-keying account numbers and/or routing numbers, omitting digits to account numbers or recent changes to your financial institution 's ABA Routing Number and/or account number structure. 

You may be receiving, or have already received, a telephone call from TRS Recovery Services regarding this issue. This contact was authorized by XXXX. 

Most processing errors are correctable with some simple changes to the electronic funds transfer request. TRS Recovery Services has a toll-free number you may use to contact them in order to provide the information necessary to reprocess this transaction. This call should take just a few minutes, provided you have your banking information readily available. 

Please call ( XXXX ) XXXX ( outside of the US, call XXXX ), Monday through Friday, between the hours of XXXX XXXX. to XXXX XXXX. CST, or Saturday between the hours of XXXX XXXX. to XXXX XXXX. CST. 

Both TRS Recovery Services and XXXX appreciate your response and attention to this matter within the next XXXX business days. Once you have addressed this issue with TRS Recovery Services , Inc., please allow two to three business days for your payment to clear. 

Please note that we have placed your XXXX account on hold pending resolution of this matter. This means that you will not be able to access your account/order information online. We will remove the hold from your XXXX account when TRS Recovery Services confirms that the amount in question has been paid in full. We appreciate your understanding. 


Sincerely, Account SpecialistXXXX.XXXXI called TRS Recovery Services at the number and gave a card to pay off the {$25.00}. They took my card and informed me that I had paid. I asked if the sum was {$25.00} and, for the first time, they informed me that I was charged {$50.00}, including a {$25.00} fee and that my account was in collections. I had not been informed that I had been sent to collections, the communication informing me of the debt had neither the amount of the debt nor did it disclose that it was an attempt to collect a debt. It also did not notify me of my right to dispute. I was only notified that I may dispute the {$25.00} fee when I complained about it. They reversed it, but indicated that I would still owe it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK
State: DC

Complaint narrative:
Mortgage closed and paid off in XXXX. I asked Astoria Federal to remove the wording " Account Paid for Less than Full balance '' which is misleading and assumes a short sale. I 've asked them many times to remove the wording, a month ago there was still the wording and XXXX late payment reported. Since I asked for your help, the wording is removed but now they acted out by adding in XXXX late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EdFinancial Services
State: AE

Complaint narrative:
Almost ten years ago I heard about the Federal Student Loan Repayment Program for government employees. I immediately called my servicer to enroll in the program. At the time I was advised by the servicer that I was enrolled in the wrong repayment plan and that I needed to switch plans. So I switched from an income based plan to a 20-year repayment plan based on their recommendation. This had no effect on me personally as the payments were the same in my particular case. Every couple of years I called and checked on the status of my loan and even submitted the necessary paperwork to update my employment status. This past year I called to enquire about the status of the filing paperwork which I had been assured would be available when I had completed my ten years of payments. At this time I was advised that I had been enrolled in the wrong repayment plan for the past ten years and no longer was eligible for the program unless I started making payments for another ten years! Not only was I in the wrong plan but according to my new servicer if I had stayed in the original repayment plan I would qualified! I can not express the anger that I felt that I had been relying for ten years on a benefit that I was not longer eligible for! I was even more alarmed to find out that this is not an unusual circumstance. Of the handful of friends that I have who also qualified for the program, over half spent years making payments that were ineligible based on advise from their service providers! I have no idea what my rights are in this situation but I feel like at a minimum the servicer should face a penalty and other people should be made aware of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Ongoing collections calls for an XXXX XXXX who is NOT at our address. We have called Shell Point Mortgage XXXX. Resurgent XXXX numerous times, told them that they have the wrong party and wrong telephone number. They ignore our complaints and continue to call us with their collection calls. We are ages XXXX, have NO debt, and do not want these calls to continue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Collection Agencies Account Receivable Solution and XXXX XXXX XXXX, Respectively under XXXX XXXX XXXX XXXX / XXXX. There are XXXX accounts the first list now as ARS for first mentioned company of the total for XXXX and the other XXXX are with XXXX for second company mentioned for amounts XXXX & XXXX. Both companies are XXXX XXXX XXXX XXXX. Who which when I first was seen for XXXX, I had medical insurance through my state of California. I gave the Hospital my insurance information at time of services, and nurse came back to my spouse 6 times, discussing how she was going to put the insurance in the system. We were assured that the insurance was on file. The Hospital has yet to send me a bill in the mail and the same goes for the collection agencies for the debt which should of never been handled in such a manor. On XXXX/XXXX/2016 when I found out about all of the debts I spoke with the CFO of XXXX XXXX XXXX XXXX, XXXX XXXX. She verified my insurance information in the system and what I had sent her from the state of California for the tax year sheet given for tax purposes. Thus far XXXX XXXX has yet to return a call and I have left numerous voicemail 's to get this handled properly. Subsequently since my phone conversation with her in which my spouse had to take over since she was being extremely aggressive towards me, every time I speak with a rep after our only phone call now there is no information of my prior insurance on file. Secondly, the XXXX collections agency have never sent any correspondence to me at my mailing address in their systems. They have however pulled addresses from my credit report and have sent mail to those addresses, which is an unauthorized since my current and permanent address is on file. Thirdly, the hospital has stated that this collections was for a individual pay which is not what I was told in the beginning of my journey to rectify this misconduct. For what I am seeing in my search for a resolution I am seeing that this hospital has no concept of medical coding when it comes to stuff they are not used to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am getting approximately 10 to 15 calls from this company Credence Recourse Management. Today I got 5 calls in less than 40 minutes.. I work so I ca n't answer however all of the calls that I have received from them have never left a message in regard to why they are calling.

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 2015-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
Keep leaving messages that they are going to prosecute a lawsuit for full compensation along with punitive damages. I have not ideal what this is for. I was fighting one with XXXX for a credit card from XX/XX/XXXX that I did n't have nor can they prove I had it other than having my social security number and date of birth. I believe there was some fraud under my name during this time. I can not file a police report because they will not give me proof. No application, signature or purchase transaction. As well, since it was XX/XX/XXXX, ant this is XX/XX/XXXX I believe this is well over the 10 years a collector can collect on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 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: The CMI Group, Inc.
State: DC

Complaint narrative:
On or around XXXX XXXX, 2015 I cancelled my cable/internet/telephone service with XXXX. I returned my equipment later in the week and received my final bill dated XXXX XXXX, 2015. According to the bill my final balance of {$40.00} was due on XXXX XXXX, 2015. On XXXX, XXXX 2015 at XXXX XXXX, while at my place of business, I received a phonecall from a third party collections service saying that XXXX had sent my bill to collections and that this was an attempt to collect a debt. When asked why a debt that had been billed a mere 17 days before had been sent to collections the employee explained that XXXX preemptively XXXX and routinely ) sends all final bills directly to collections. When asked if he thought that was legal the employee agreed that he guessed it was not and that this is XXXX 's regular practice. I gave my contact information to the employee and informed him that I would deal with XXXX directly. 

After speaking with the third party collections agency I received a second bill dated XXXX XXXX, 2015 that classified the {$40.00} as an " unpaid balance '' that was " due now ''. That bill was received on Friday, XXXX XXXX, 2015. 

Also, when I signed into my account to pay my bill, I noticed that the online bill noted a due date of XXXX XXXX, 2015. 

After leaving work I also ran a google search which revealed that many others have experienced similar issues with their final bill being immediately sent to collections and that the " uncollected debt '' appeared on their credit report. 

The bill has now been paid to ensure that I remain in good standing and I am filing this complaint to ensure that XXXX ceases preemptively sending consumers final bills to third party collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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 am also making a complaint agains the original creditor. This debt should have been taken care by the VA long time ago. I have no invoice for these services.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-13 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I paid this bill to XXXX XXXX XXXX and this company, Credence Resource Management, LLC, keeps calling me about it after I informed them that it has been paid. I also tell them not to call me any more, yet, they call XXXX - XXXX times a day. They have also slandered my credit with a false collection listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bonneville Billing and Collections
State: TX

Complaint narrative:
XXXX XXXX, XXXXTo Whom It May Concern, I did not receive notice of my right to dispute a bill nor did I receive proper notice that I owe a debt before it was sent to collections. 

I went to XXXX in the XX/XX/XXXX seeking medical attention. The staff there informed me that after viewing my insurance the matter would be taken care of by my insurance company. Even after I called and the person on the phone assured me the visit would be no more than {$100.00}. 

In XXXX of XXXX I received notice from the Bonneville collection agency that I had an outstanding debt. The debtor was unrecognizable to me because I had not gone to the doctor in over a year and I did not recognize the name, XXXX. So I thought it was a scam. 

After receiving another notice and about XXXX strange phone calls I called to ask who they were and why they were bothering me. That 's when I was informed of a bill from XXXX. I asked XXXX to send me documentation. They sent a bill dated XXXX XXXX, XXXX. That 's all they had. 

Then I called XXXX to ask why was n't I notified of a bill so I could pay or dispute it? I also asked them to send me verification that they attempted contact me or submitted this information to my insurance company and also, why was this bill so high? 

XXXX simply sent me the same XXXX XXXX, XXXX bill that Bonneville Collections had sent me. They had no more documentation.. 

I have since spoke with and written emails to XXXX, XXXX, XXXX, /Mercedes, and XXXX at XXXX asking them to withdraw this Debt from the collections agency and give me time & proof that this is a legitimate bill. I have been ignored. 
Since this business has chosen to ignore me and my plea for assistance would you please intervene? 

Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
ON XXXX/XXXX/XXXX I received a letter from the office of credit management, I which I called XXXX for my current account and I have a credit balance. XXXX could n't identify the account number that I provide on the letter. so I called the number on the letter and I provide her the information and I advised her that I have a active XXXX account and that I do n't owe {$160.00} she XXXX that the balance was from XXXX/XXXX/XXXX from the address of XXXX in XXXX ga, I advised her that I filed bankruptcy in XXXX and I provided her with attorney information and phone number. I advised her that I filled XXXX us bankruptcy court - XXXX case id # XXXX chapter XXXX discharged XXXX/XXXX/XXXX. by me being a victim of fraud I have credit monitoring service that alert me of changes and they put this on my credit report on XXXX/XXXX/XXXX and sent me a letter on XXXX/XXXX/XXXX per the fair credit reporting act they violated me, reporting inaccurate and unsubstained information to a credit reporting agency may constitute fraud under federal law Compliance with thus request is required

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: EdFinancial Services
State: IN

Complaint narrative:
Ed Financial has admitted to me twice now that their fax lines are not working correctly, but they have refused to communicate this to borrowers who are required to submit forms where fax is an option. It is not noted on their website, nor have they sent out mail or electronic communications. I 've faxed in required documentation twice and they continue to not receive the information. This is an unfair, deceptive and abusive practice that will lead to borrowers to pay higher repayment fees when they have done all they were requested to do to maintain their IBR program status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EdFinancial Services
State: IL

Complaint narrative:
In 2010, my student loans were being transferred to another lender. 
During the transition time, apparently the previous lender reported me late because I was making payments to the new lender and not Ed Financial. 

I have tried to correct this several times on my credit to no success. They keep reporting me as a " paid collection '' and a derogatory status on all XXXX credit bureaus. This information is incorrect. The loan was transferred to XXXX XXXX and has and continues to be paid on time. This is ruining my perfect credit score and is harming me. 
I ask that Ed Financial report this as Paid in Good Standing and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This is my XXXX complaint against this company since they took over my loan servicing from XXXX which was modified after a Predatory Loan Settlement was reached and the new company Shellpoint added an ilegal P.M.I coverage that was never agreed upon by me and hidden from me until I discovered they had taken money out of my property tax escrow account to add their own insurance at my expense. This company stopped sending me my monthly statements ( Emailed, or Hard Copy ) and their website only show statements from 2015 for just XXXX months nothing further. They stopped being sent to me when I filled my complaint in 2015 most likely to keep me from discovering further discrepancies on their part. I am requesting your assistance as I called Shellpoint and spoke to a customer service rep there named XXXX or XXXX as well as her supervisor XXXX XXXX who refused to send me my monthly due statements. I am asking you please get involved as I have never heard of any company refusing to send their customers statements nor allowing them to be seen on the website as well. They as well tried to tell me they do n't provide statements which is a total lie as they did before my last complaint to the XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
J.H. Portfolio is trying to collect on a debt from XXXX that I paid through a debt consolidation company. I mailed J.H. Portfolio a letter attached with a statement from the consolidation company showing a XXXX balance for XXXX. I called J.H. Portfolio on XXXX XXXX XXXX and they confirmed that they received my letter and statement from the debt consolidation company and they said they would research the complaint but I have not heard from J.H. Portfolio. I 've disputed this charge three times with XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. I want the charge of {$960.00} off all of my credit reports.

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 2016-01-31 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: JH Portfolio Debt Equities, LLC
State: CO

Complaint narrative:
This is from ten years ago, and not my debt. I straighten this out with the original company and they sold it. It keeps being bought by these little credit company. They change the date and harrase me and mess up my credit rating. They threaten to sue and have me arrested and call me a lair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
I have a a unverified account from CREDIT MANAGEMENT LP XXXX. 
this account. I have never done business with CREDIT MANAGEMENT LP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CREDIT MANAGEMENT LP purport I owe. I request that XXXX XXXX XXXX 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, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT LP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC
State: CT

Complaint narrative:
I keep getting calls from XXXX XXXX XXXX which I have reported. On XXXX, the ROBO call said that if I am this person, press XXXX and if not, press XXXX. I did press XXXX, but they keep calling me sometimes twice a day anyway.

Company response to consumer: Closed with explanation