vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
I sold my house and closed on the property on XX/XX/2016. During closing the title company paid the second installment of my property taxes in the amount of {$2300.00}. I looked online the same day and noticed Shellpoint Mortgage also payed my tax payment the same day. I called and asked to Shellpoint to hold payment that afternoon due to the fact I just closed on the property. I was told that since they had n't received the payoff there was nothing they could due despite being almost 3 weeks early on the payment. A few days later my lawyer was able to contact XXXX County Treasurers office after they had received the payment from fidelity Title company so they were able to flag my account to avoid double payment from Shellpoint Mortgage. I have contacted Shellpoint multiple times on this issue with no resolve. When you call Shellpoint Mortgage you can only speak to the person who answers the phone in customer service. They will not transfer you to anyone. I 've asked to speak with someone in the tax department but every time I 'm told no. Also every time I call i 'm told a different story by the person on the other end of the line. As stated before I called on XX/XX/2016 around XXXX EST. about trying to get the tax payment stopped. I was told on that phone call that since they had n't received payoff there was nothing they could do. The Next time I called was on XX/XX/2016 at XXXX. EST. at that time I figured there would 've been plenty of time for them to receive and process my refund. I was told on that phone call that processing could take up to XXXX weeks and again I was told that I could speak to no one else but the person I was speaking with. I specifically asked to speak to a manager but was told that one was not available. So I waited until XX/XX/2016 to call again figuring that would be plenty of time for processing to take place. I made that call at XXXX EST. this time I was told that processing could take XXXX weeks. Again I asked to speak with someone in the tax department and again I was told no. This time the woman told me she would put in an email to the tax department about this situation and she 'd get back with me as soon as she got a response. Today is XX/XX/2016 and I still have n't heard anything from them. In between my calls my lawyer tried to intervene due to the fact he has power of attorney for me and he was told they could n't talk to him about my loan. He also sent a letter to Shellpoing Mortgage Servicing trying to resolve this issue but we 've receive no response to that letter either. I 'm fed up with dealing with this company and am asking for your help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and my property was foreclosed by ShellPoint Mortgage while I was in review for loan modification, I property is now owned by a 3rd party as of XX/XX/2017. I believe ShellPoint did not follow the proper Home Owner Bill Of Rights procedures as I feel I was a victim of dual tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
debt collection law firm has repeatedly threatened me with lawsuits regarding an alleged debt and has refused to answer any of my legal questions about the alleged debt, the attorney 's I attempted to speak with only threaten to take my real property and sue me and they do not seem to have legal authority to threaten such actions, they refuse to work in good faith with me as well. I do not like be harassed, threatened or laughed at. I do not like the deceptive practices when I have attempted to work in good faith with this debt collection law firm

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 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: Kriya Capital, LLC
State: GA

Complaint narrative:
On XX/XX/2017 I checked my credit and noticed that Credence was listed on my report. On XX/XX/2017 I received a settlement offer letter. I never received a letter with notification of this debt or my right to dispute. Once I obtained this letter I did go ahead and send out a validation of debt letter to the company. Thus far I have not heard anything back.

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 2016-04-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Charlottesville Bureau of Credits, Inc
State: VA

Complaint narrative:
I disputed a debt collection letter I received on behalf of A Visual Affair. The bill received from the office was for {$160.00}. They reported the debt to be XXXX to Valley Credit Service Inc ( VCS ) a debt collection agency. I contacted the business manager of A XXXX named XXXX XXXX who told me they sold the debt to VCS and that the additional XXXX was added on to as an administrative fee by VCS. I asked for XXXX XXXX to verify for me that VCS added on this administrative fee before I would pay it in a conversation that I told him would be recorded. In that conversation, he assured me he would contact me back and ensure that was the case. I never heard back from him. 

When I spoke with VCS and paid the {$160.00} I owed, she informed me that their company did not buy debts and that their company did not add on an administrative fee of {$160.00}. I disputed the remaining balance of the debt with VCS. A XXXX XXXX then sent me back the same invoice for only XXXX but certified that I still owed them {$160.00} without providing an invoice explaining the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd.
State: NV

Complaint narrative:
This complaint is regarding an inaccuracy on my credit report. I have sent Collection Bureau of A ( 2 ) certified letters requesting viable evidence bearing my signature that I owe this debt. They have ignored my request and failed to respond. They have also violated federal law, by not properly investigating my complaint with in the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. They have also failed to mark my credit report that this debt is being disputed by consumer which is another violation of the Federal Law. I believe they have acted in bad faith, and have not complied with the FTC ( see 15 USC 41, et seq. ),.

Company response to consumer: Closed
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I have contacted XXXX XXXX 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, 2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account NumberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SECURITY CREDIT SYSTEMS INC
State: PA

Complaint narrative:
Account Reference : XXXX I was promised that letter in exchanged for paying the total balance of {$1700.00} that XXXX XXXX had told me was due. I had several conversations with XXXX XXXX last week, Thursday XX/XX/XXXX and Friday XX/XX/XXXX, during which he assured me that once I pay the full balance due he would provide me with a paid in full letter by Tuesday XXXX of XXXX 2015. On Friday XXXX I went to my bank and got a cashier 's check for {$1700.00}. I then when to the XXXX XXXX XXXX XXXX that was next door to my bank and deposited the check to the account that was provided to me by XXXX XXXX. XXXX XXXX asked me to fax a letter authorizing him to fax me the letter of paid in full and I faxed that letter on Monday XX/XX/XXXX. I had made the mistake of telling XXXX XXXX that I was in the process of buying a house and needed the paid in full letter. I explained to XXXX XXXX that my loan Officer and Real Estate Agent were waiting for the letter and my deadline to submit that letter was Tuesday XX/XX/XXXX. XXXX XXXX did not fax me the letter on Tuesday ; instead, he called me on Tuesday trying to extort additional money from me after I have paid the full balance of {$1700.00} that he told me was due. XXXX XXXX called and demanded that I pay an additional {$2100.00} or else he would not provide me the letter of paid in full that I need in order to buy the house. The actions of XXXX XXXX and Security Credit System have caused great financial damages to me and my family to the sum of over {$95000.00}. The way I was singled out by Security Credit System for extortion after I mentioned I was buying a house is a clear violation of the federal Fair Debt Collection Practices Act ( FDCPA ). " The collector can not misrepresent the amount you owe. [ 15 USC 1692e ] 807 ( 2 ) ( a ). The collector ca n't add on any extra fees that your original credit or loan agreement does n't allow. [ 15 USC 1692f ] 808 ( 1 ) Sc-motion-3. when representatives from Security Credit System called did not identify themselves as a collection agencies they identified themselves as calling from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Data Corporation
State: NC

Complaint narrative:
Said TRS Recovery evidently declined my personal check at XXXX under an assertion that I have an outstanding unpaid debt. I have no returned checks to XXXX or elsewhere. When calling XXXX as directed by XXXX to obtain full disclosure of the purported debt under my information, I receive only a reference number of XXXX. I follow the prompts to speak with a rep, and each time I 've called I hold for more than 45 minutes before being disconnected without ever reaching a rep. Their prompts suggest that I can write to inquire about the debt but the information they require to release full disclosure is something that must be verified through an agent ... So it 's essentially a catch 22. I know by law that they are enjoined to provide full disclosure. Arbitrarily declining my 'business ' without justifiable reasons is against federal fair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: WA

Complaint narrative:
Retrieval-Masters Creditors Bureau, Inc calling from ( XXXX ) XXXX is calling my cell a minimum of twice every single day including weekends. If I answer there is no person or message, I have no idea what these calls are referring to as my current credit report does not list them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phillips & Cohen Associates, Ltd.
State: WI

Complaint narrative:
I receive calls from XXXX several times per day. I answer the phone and it is a computerized voice saying this is an attempt to collect a debt and to please wait while they connect me. Then the phone goes to a very fast beeping tone. I am never connected to anyone and then they hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc.
State: IN

Complaint narrative:
We 'd been making regular payments for a health expense since last year. Early this year, the payment checks sent were not cashed for months and the balance was not updated to reflect that. Bills were also sent sporadically. RECEIVABLE SOLUTIONS decided that this meant that we were past due and sent us a letter stating that our account would be sent to collections in 10 days. I had absolutely no confidence that even if I sent them a check, that it could be processed within the 3 business days ( when you subtract weekends and mail transit time ) because they have historically waited months. So I called before they sent the account to collections and they informed me I had to pay that day. They completely acknowledged that the checks were not always cashed in a timely manner by them, but refused to cancel sending the account to collections. So I paid the full balance right then to be rid of these people using my personal credit card instead of my tax sheltered HSA account, costing me about XXXX % extra. There was probably also an extra fee tacked on for paying by phone. 

I have a credit score of XXXX and have no problem whatsoever paying my bills. This company is using the threat of collections based on their own poor processing of payments. They have fully earned and deserve a harshly worded letter from CFPB telling them that a payer can not be considered delinquent due to the payee 's own slow payment processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX were in XXXX XXXX XXXX XX/XX/XXXX. I was on my way to work at the XXXX there at the time. The gentleman stopped me to talk about the XXXX ONE MONTH FREE TRIAL. I told him I could not afford the membership and he then explained it 's completely free ; I do n't have to pay anything and I wo n't be eligible for a membership unless I sign up for the membership AFTER the trial. I thought I was signing a waiver to the ONE FREE TRIAL and the free T-Shirt. 

They began to charge me and I had never made it into the gym. I called, emailed, sent letters to this gym expressing my concerns and how do I get this off of my credit report. There was no help or solutions. I had been scammed into this debt trap. I am still facing hard times : no food in my home because I can not afford them ( nor can I receive food stamps ), my rent is becoming late, I have classes and student debt to pay for, utilities is coming up late, I am a ten month employee with no current income, XXXX not receiving any benefits or assistance and I am a single adult trying to survive on my own. The last thing I can afford to pay is a gym membership for a gym I hardly ever used and that scams innocent people into signing debt collection contracts. 

This debt was sent to a collection agency and which of course has negatively affected my credit score. Unfortunately, the credit bureaus and its partners are in the business of crippling Americans and eating away at the lower class to stay in debt. I can not afford any of this. I have XXXX and XXXX due to my financial crisis. I had to even file for Bankruptcy back in 2013. This third party continues to call and harass me for a payment in full. I am pleading with them to for a payment plan or a freeze or something so I can try to pay and possibly help my credit report. However, First Credit Services foreign employees continue to call and offer no help. Both of their foreign countries and USA employees have been very displeasing and uncooperative. 

I need serious financial help. Who do I contact for help?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I ' m a XXXX year XXXX veteran that has been hit again with identity theft for the 4th time in 90 days and after being with my bank USAA 17+ years and everything going to them, they are refusing to do business or even speak to me and this has become a big deal since the cyber attack on our XXXX records re releasing all our background information and intricate details. Police reports and all are filed. This is a very serious issue for veterans. My friend brother even had another not only getting money in his name ( duplicate debitcards ), however receiving medicines and being treated XXXX just like its was him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: Diversified Consultants, Inc.
State: ME

Complaint narrative:
I have been contacted twice by representatives claiming to be from Diversified Consultants , Inc. saying that I owe more than {$200.00} to XXXX. These representatives have asked for my credit card information, my social security number and my physical address. I have spoken with XXXX and have been assured that my account is paid in full and that I have not been sent to collections. I have also checked my credit report through XXXX and I have an excellent score. I am concerned that either my identity has been stolen or that the phone calls are pretending to be DCI.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I attempted to contact USAA credit card company. XXXX from XXXX Ky stated that I would only be able to contact a call center and that I would no longer be having access to USAA the company. I explained this is a member only company and you should be affiliated to the military in some form. I am having problems with neighbors attempting to assume my identity. They have had copies of my credit card statements separated. In the past there was a XXXX and I never received it. I was only able to deal with the call center for this as well. I also, got a refund from XXXX XXXX through XXXX in months past that I never received. Now, I am having problems with XXXX orders being charged double. Other orders referenced than supplied by XXXX. I was attempting to get this XXXX order rectified. I contacted USAA because I was notified via email that they suspected suspicious activity. I only wanted to clarify that my reward points are back on my statements. Also, that my credits are not going to one of their employees as I was told they had some problems with employees. I want to know if my bank statements are correct and also that my credits are not going to an employee that has a copy of my credit card that I never authorized. I 'm told a person by the name of XXXX had my credit card in her hand. I place orders on line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
This debt was with XXXX XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$280.00}. I pulled my credit report bacause I want to try and fix what I can. I saw this account was sold to Diversified Consultants and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$460.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bepensa Capital, Inc.
State: PA

Complaint narrative:
i recieved an auto loan from afs acceptance and in XX/XX/2016 i totaled that car in which i did not have gap insurance on and now they call me everyday demanding payment that i can not afford the auto insurance did pay a potion of the loan. they also send me text messages and the tell me they are going to take me to court and garish my wages and if they can not get ahold of mme they call my daughter and aunt and they have also called friends of mine. I explained to them that i am in finanical hardship and can not afford to pay what they want. they have also asked told to give them debit card numbers so they can take the payments when they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Deposited {$13000.00} into account from my retirement service and they are holding the funds for 11 days even though the check issuer, XXXX bank says they can clear immediately if they contact them. I called my bank USAA and they said there is no way anybody can release anything that is an automated process and it determines itself the time to release funds. Are we not human anymore? I am facing eviction and that is the only reason I took money from retirement. This is abusive and it clearly shows how wrong the system is. They will keep that money until they legally can even though they got the funds cleared. That is stealing money from me and gaining interest or whatever works for the banks advantage. The laws should protect the consumer and the money you deposit should be released to you once it clears not when they say Please help us in amending these rules that clearly favors the banks and not the consumers.

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