vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Have called the negotiator and manager assigned to the loan XXXX times total, XXXX voicemails left for the negotiator and XXXX voicemails left for the manager and have not received a call back. 

This started XXXX XXXX 2015 and I still have only spoken to the manager XXXX XXXX once since then on XXXX/XXXX/15. I have left XXXX voicemails for the manager XXXX XXXX since then and still have not received a call back, it 's complete negligence. 

The other problem and the reason why I 'm trying to reach the manager in the first place is Shell Point did an appraisal on the property at {$280000.00}. Our short sale offer is at {$280000.00}. It is a HAFA short sale which requires {$12000.00} to go to the second and {$10000.00} relocation assistance to go to the seller. They told us that the offer would have to be at {$290000.00} or we 'd have to negotiate the second down to {$2000.00}. This is against HAFA guidelines and the lender is " bending the rules '' to gain a higher net to their balance. 

We need this looked into and resolved, unfortunately all the CFPB has done for us in the past is reach out to management at the lender and take their word as bond and kick it back to us but I figured it 's worth a try to see if the CFPB will do something for once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
After an unsuccessful foreclosure mediation which resulted in Certificate to foreclose was issued ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively ) we requested a review and approval of a loan modification. From the original modification request, we have submitted the lender 's documentation request always in a timely manner. The lack of communincation with our lender negotiator caused the documentation we submitted each time to go stale and cause the lender to request the same information over and over again as if the underwriter never received what we submited or received it later than we provided it. Now we are faced with Foreclosure Sale Date on XX/XX/XXXX. We have submitted a new modificationm request and when we contact the lender for a confirmation of the documents it is confirm the documents are in review then we call the next day and something else is requested. All of which was already provided. Since we are still receiving the inconsistencies that we dealt with for the past year, we feel very worried that the loan modication package review will not be given the allotted time needed to request a postponement. As such we are reaching out the you in the hopes that our file will be reviewed in enough time to request the postponement. Through the whole year that we have gone back and forth with the lender and the documentation request process not once were we declined the mod due to the financial/hardship status, etc it was because of documents not received on time which baffles us. It seems that all of the documentation request we received advising a decision should be made in 5-10 business days or 7-20 business days ( info stated in document confirmation letters received from lender ) that after a year worth of this back and for we would have had a decision by now which would have not led us to our home risking a foreclosure.m

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Interstate Recovery Service, Inc.
State: LA

Complaint narrative:
Interstate Recovery Services is pressuring me to pay a debt they claim I owe ( {$890.00} ). Deceptive marketing, fraud and harassment tactics are used in attempt to collect payment for so called magazine subscription contract from All American Readers ( ARR ) that they say I owe. I was contacted by XXXX saying that they would send me a free {$250.00} gift card with the purchase of XXXX magazines. I rec 'd the magazines but not the gift card, then began being charged $ XXXX on my debit card. I tried cancelling but could not. My bank reimbursed me and cancelled my card. Now I receive constant calls and letters threatening legal action if I do n't pay. And have been turned over to Interstate Recovery Services for collection of so called 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 2016-01-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
The XXXX Tribes Of The XXXX XXXX Reservation Tribal Government Fund paid the bill back on XXXX/XXXX/2015. The tribe had multiple contacts with them about this payment from my understanding each time they talked to them it was being handled. I then started receiving phone calls from Credence Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Telephone number XXXX. I stated that I believed this was taken care of and I would contact XXXX at the XXXX tribal clinic. XXXX told me she would call and take care of it. They have sent numarous letter each I have taken to the clinic they told me fedral funds will not pay twice for a bill. On XX/XX/XXXX XXXX XXXX talked to them and had it all resolved she can be reached at XXXX she has all supporting documents. There is also another payment made on XX/XX/XXXX for XXXX that there are trying to collect on with me too.

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 2015-03-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I am writing this letter regarding my mortgage loan I have had since XXXX, XXXX for my house. My involvement with the Loss Mitigation Department of Shellpoint Mortgage Services began in early XXXX XXXX. 

I had an unexpected downturn in my business in XXXX XXXX, which resulted in a significant loss of income and my inability to make my mortgage payment. I immediately contacted XXXX XXXX XXXX Mortgage customer service department to learn about the options available. I received a detailed package in the mail to initiate the loan mitigation process. Meanwhile my mortgage was transferred to ShellPoint Mortgage Services. 

I have submitted all required documents to ShellPoint Mortgage Services numerous times from XXXX, XXXX to XXXX, XXXX. When I call to check the status of my packet, I am forced to leave a voicemail. On occasion I have had the opportunity to speak to an agent, who indicates the packet had not been sent to the loan processor yet and to call back, or the packet is with the loan processor and they will call me. After repeated attempts and requests the progress remains null. 

At this point in the process it is clear that Shellpoint Mortgage Services Loss Mitigation Department is engaged in a pattern and practice, which is certainly unsupportive. I have complied with all the requests from Shellpoint Mortgage Services, however, it appears the overriding goal of the Loss Mitigation Department is to force my loan into foreclosure and take my property from me. 
I have been making payments, but remain behind and I have difficulty maintaing the payments at this point and need assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
XX/XX/2016 I SENT A DEBT VALIDATION REQUEST FOR XXXX ITEMS REPORTED I NEVER HEARD OF. I REQUESTED INFORMATION ON THE ACCOUNTS AND NEEDED TO KNOW WHAT THEY WERE FOR SINCE THEY WERE ALL LISTED AS " Original Creditor - XXXX XXXX '' WITH DIFFERENT AMOUNTS. i HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX AND NEVER HEARD OF THEM UNTIL THESE ACCOUNTS WERE LISTED ON MY REPORTS. I AM CONCERNED WITH IDENTITY THEFT ON THIS ISSUE. 2 MONTHS HAVE PAST AND STILL HAVE NOT RECEIVED ANY ANSWER TO MY REQUESTS. I HAVE DISPUTED THESE ACCOUNTS THROUGH THE CREDIT BUREAUS AND THEY CAME BACK AS VERIFIED.

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 2016-03-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My home loan was modified effective XXXX XXXX, XXXX while XXXX XXXX XXXX ( XXXX ) was servicing the loan. The new terms of the loan were : interest only payments at 5.25 % with a loan balance of {$280000.00}. There was no provision for escrow payments. The loan was transferred to Resurgent Mortgage on XXXX XXXX, XXXX and a few months later to Shellpoint Mortgage Servicing Company. When the loan was initially transferred to XXXX, the monthly payment amount was listed at {$2400.00}. I called and wrote to Resurgent to explain to them that their records from XXXX were incorrect. After nearly four months, Shellpoint replied and allegedly sent a loan history on XXXX XXXX, XXXX, but none was enclosed. My IRS form XXXX for year XXXX arrived in XXXX and the figures were obviously incorrect, showing approximately {$43000.00} paid in interest ( twelve payments of $ XXXX/month does not equate ). On XXXX XXXX, XXXX I wrote to Shellpoint -- via certified letter -- asking to correct XXXX and XXXX interest paid that was reported to IRS. XXXX did not reply. On XXXX XXXX, XXXX I sent another certified letter asking to correct the interest paid for XXXX and XXXX. During these times, I constantly called Shellpoint, only to leave messages that were not returned, by either letter or phone call. Finally, in XXXX, I actually was able to talk to XXXX at Shellpoint ; she said that I could not obtain any loan information because I was represented by an attorney and needed his permission. She advised that once I got " approval '' from my attorney, the loan documents would be dispatched. XXXX XXXX XXXX, XXXX. XXXX my attorney ) emailed XXXX on XXXX XXXX, XXXX stating that Shellpoint could provide any information I requested. I emailed/followed up on XXXX XXXX, XXXX with XXXX, again asking for this information. To date, I have not received a loan history. In the interim, Shellpoint shows my account with legal fees, late charges, miscellaneous fees, unapplied payments, etc. on their web site. There is no substantiation for such charges. I was told by XXXX that the official mailing address for payments was changing ; I requested this information via official letter, however, I have not received any notice as of this filing. Further, Shellpoint is not reporting my current loan status to the credit reporting. agencies. Recently, Shellpoint sent a revised IRS form XXXX for XXXX. Based on this revision, Shellpoint is clearly able to provide an accurate loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP
State: AR

Complaint narrative:
The law office of Linebarger Goggan Blair and XXXX call my residence looking for XXXX XXXX XXXX. I am not that person. 

I received a letter on XXXX from them addresses to my son. I returned it with the following print " Return to sender ; not at this address. 

On XXXX, they called and left a message on my residence phone. I returned the call and spoke to " XXXX ''. I asked her to remove my name from their call list. She agreed. 

On XXXX, I received an automated call from the law firm. I returned the call and spoke to " XXXX ''. I asked her to discontinue their collection efforts to my telephone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am a customer of Shellpoint Mortgage Servicing and have had issue with my escrow account since XX/XX/XXXX. Initially Shellpoint did not pay my village property taxes when they were due in XX/XX/XXXX, even though they deducted the money from my escrow account. I did not find out that this occurred until the XXXX sent me a letter stating I was in default and if they were not paid, my name was going to be printed in the newspaper. I immediately contacted Shellpoint on XX/XX/XXXX and provided a copy of the letter I received from the village. XXXX days later they paid my taxes ; HOWEVER, they deducted the money from my escrow account AGAIN and never gave me a credit for the tax bill that was never received by my village in XX/XX/XXXX. At that point they reanalyzed my escrow account and increased my payment because my escrow account was short due to their error. I am owed {$1800.00} back into my escrow account and my payment lowered to its previous amount. I have called customer service now 3 times to get this fixed and every time they tell me it 's being escalated to a supervisor, but I have seen no correction and have yet to receive a phone call. I want this fixed immediately and a phone call confirming this. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Shellpoint Mortgage sold my mortgage on XX/XX/2017 to XXXX but DID NOT notify me. I found out my mortgage had been sold when I received a statement from XXXX on XX/XX/2017 stating that I was my XX/XX/XXXX mortgage payment was late. Shellpoint accepted my XX/XX/XXXX mortgage payment on XX/XX/2017 and as of today, XX/XX/2017 HAS NOT forwarded that payment to 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 2016-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
I have asked JH Portfolio to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 2016-09-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I had applied for a refi with XXXX XXXX through loan officer XXXX XXXX. He kept encouraging me not to pay my mortgage on time because we might close on the refi. This went on for 4 or 5 months and then I was told I was denied in a voice mail. He said I would receive a denial letter explaining everything. I have never received it. I notified him and I notified his supervisors on more than one occasion and I still have not received the denial letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PMAB,LLC
State: NC

Complaint narrative:
i have a couple of accounts listed with your company XXXX for XXXX and another for XXXX that are fraudulent beggining with account number XXXX for both of these accounts they are resulting from my identity being stolen and i have tried everything to get these accounts removed from peoples files and my personal credit report being that they are truly fraudulent i have filed a police report and notarized affidavit as to the theft

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
Approximately XXXX or XXXX XXXX, I called Bonneville Collections to pay what I owed with them. I was attempting to get a mortgage and the debt needed to be paid. I asked them if I was paid with them and the operator responded that I was paid. I never heard from them again. 
Fast forward to XXXX XXXX, I called on a separate issue and was then told I owed a few hundred dollars from an account in XXXX! I was never told about this, never billed. Now they want interest paid when they never billed me and told me I did n't owe anything! 
Now they 've reported these accounts to the credit bureaus before responding to my dispute, before giving me a chance to rectify this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PulteGroup, Inc.
State: AZ

Complaint narrative:
I was pre-approved by Pulte Mortgage to purchase a home from Pulte homes. ThisThis pre-approval was based on me fulfilling several things. My incomeneeded to be verified, I had to defer my student loans for a year, and I needed tpay off XXXX credit cards. I paid XXXX payments of {$500.00} each to Pulte as a downpayment and they told me my house would be complete by XXXX orearlier, but then told me it would be XXXX. I had picked a base modelthat only had some cosmetic changes like flooring and cabinet color. Thehouse was framed when I started losing hours and was afraid of losing my job. 
I immediately started looking for a new job so that I could still buy the house. Iended up losing my job and informed Pulte. I did get hired a week or so later, and would be starting a new job for less pay about 2 weeks later. I was toldby Pulte Mortgage that I would not be approved because of switching jobs andmaking less money. They told me I could apply with a co-signer but may stillnot be approved. I was told by Pulte homes that they were not returning my {$1500.00} because my mortgage was approved and I had defaulted. I neverreceived anything from Pulte Mortgage that I was approved and they hadnever even verified my income. I was also not able to pay off the credit cardsdue to reduced income because my hours were cut and I was makingpayments to Pulte. I also had yet to receive anything from my student loans toshow that they were deferred. During this time I received a call from Pultestating I needed to pay {$500.00} for an appraisal on the home. I told her I didn'thave {$500.00} and she said I could use a credit card. I told her I needed to payoff the credit card as a condition of my mortgage. I was told there would be no cclosing costs and did n't understand why I had to pay for an appraisal on ahouse that was n't even built. I asked Pulte Homes for my money back andwas told that they did n't have to return it because my mortgage was approved aand I was in default. I explained that I was only pre-approved and was n't able tto meet the conditions of the mortgage. I was left with no job and no money. 
Pulte offered to put my money toward the purchase of a home at a later date, but I will never buy a house from them. I just want and need my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I disputed a debt the debt collect witch represent themselves as law firm is in the business of collecting debts. I disputed the validity of the debt and requested specific information to validate the debt. I provided proof of why I disputed the debt and questioned the financial charge they were attempting to collect and asked the collector to validate the debt. I sent my request in writing and return receipt. Proof of that mailing I also requested the collector after XXXX XXXX, 2015 only communicate with my attorney. Provided contact information in that letter of my attorney. As of the filing of this complaint I have receive to demands for payment directly. The letters are carefully crafted to give impression that legal action will be taken but the debt has not been personally review by an attorney. The letterhead represents themselves as attorneys. 

These demands for payment states that I also failed to respond to request for information this is also a false statement. 

I have include copies of both mailing from the collector and my responses to the original claim of the debt. I had to mail them twice be there was refusal to accept my original and it was returned to me. 

I have included scanned copies of the returned mailing both of my letters. This firm has violated the act by communicating directly with after I specifically request them to address there responses to my attorney. 

If you will provide me with an email address or other process to send you copies of following:1 USPS returned receipts2. Copies of USPS receipts that have deliverary tracking numbers3. additional copies of letters sent to collector4. Copies of letters received from collector after my letters requesting they only contact my attorney5. Copies of my letter to my attorney that I requested them to be contacted.

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