vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I believe that Shellpoint Mortgage Company has violated a code of ethics. They have collected overpayment from my mortgage payments and can not provide a specific answer as to where the funds have gone and why my balance remained the same despite catching up my payments. Also, they charged a fee of {$350.00} for a loan modification application which was not even reviewed due to supposed missing pieces of information. At no point was I made aware that there was a fee for applying for a modification. If I need loan assistance it seems underhanded to charge an excessive fee on top of what is already owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We refinanced our mortgage in order to switch from an ARM to a fixed. We were given paperwork showing that our new mortgage company would be XXXX XXXX XXXX XXXX XXXX Mortgage and that our first payment was due on XXXX/XXXX/2015. We used an ACH transaction to pay the first payment on XXXX/XXXX/2015. We have documentation from our bank, XXXX XXXX XXXX, that the transaction was sent and that XXXX Mortgage received it. 

On XXXX we received a letter from Shellpoint Mortgage stating that they now owned our mortgage effective XXXX/XXXX/2015. This was 17 days after we sent our first payment. They advised us to not send the XXXX payment to XXXX and to send it to Shellpoint. The payment we sent does n't show on either company 's website for our account. We 've called both companies to try to get the payment corrected but unfortunately, neither company will assist us in this process. When we call XXXX they tell us that the request to transfer the funds must come from Shellpoint. When we call Shellpoint, they tell us that we must call XXXX and arrange the transfer ourselves. after numerous calls to each entity, we keep getting shuffled back to the opposite entity. 

In the meantime, we are currently listed as late for our XXXX payment and have no way of retrieving the funds from XXXX so that we can pay Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
After multiple attempts to resolve the problem, we spoke on the phone with Shellpoint Mortgage on XXXX. They finally informed us they had no intention of paying our real property taxes as they were dealing with a third party provider who was collecting data from the previous lender ( this had not been conveyed to us in prior conversations ). We informed Shellpoint we had emailed them a copy of our property taxes ( based upon a previous phone conversation ) on XXXX XXXX, 2015 and receipt was acknowledged. Due to the late date ( taxes are due XXXX XXXX, since we had no confidence in Shellpoint, and since we were told they were not going to pay our taxes, we went ahead and paid them ourselves, incurring a 2.45 % credit card fee, since failure to pay on time could result in injury to our credit rating. This could impact our security clearance possibly resulting in job loss.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: The CMI Group, Inc.
State: GA

Complaint narrative:
No knowledge of said debt.

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 2017-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine. 

I do not recall this account. Please provide documentation with my signature and services rendered validating that this account is mine. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 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: CT

Complaint narrative:
Debt collector calling me about a payment from XXXX that I do not owe. Every time I ask tell them that XXXX has never contacted me XXXX telling me I owe a dime. I have received nothing in writing from XXXX. I keep telling them that I need it in writing from XXXX before I even think about giving them one cent. This company calls me every single day with the same " This will be put on your credit score if you do not pay ''. I looked up some reviews of this company and TONS of people are having this problem. XXXX has even said they have nothing to do with them and does not use them for debt collection.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: AZ

Complaint narrative:
LINEBARGER GOGGAN BLAIR & SAMPSON LLP is trying to collect a debt that does not belong to me. I do n't live in XXXX, and or have a license plate No : XXXX or ever lived in the city of XXXX. I live in Arizona and have lived in XXXX since 2004. This debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PMAB,LLC
State: NC

Complaint narrative:
Mailed PMAB asking for legal validation and received no response

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Our mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing effective XXXX XXXX, XXXX. Our property taxes and homeowner 's insurance are paid via escrow. Under the terms of our mortgage, Shellpoint is contractually obligated to timely pay both the homeowner 's insurance and property taxes. As part of the mortgage transfer, XXXX did not receive the property tax bill from the Town of XXXX, CT so I provided a copy of the tax bill immediately once the loan was activated in Shellpoint 's system ( on XXXX XXXX, XXXX ) and subsequently called multiple times to inquire regarding payment status and ensure that the first payment of our property taxes would be paid by XXXX XXXX, XXXX ( they were actually due on XXXX XXXX, XXXX and should have been paid in conjunction with the transfer of our mortgage ). I followed up with multiple phone calls on payment status and received repeated assurances from Shellpoint that the taxes would be paid by XXXX XXXX. I also continued to monitor our escrow balance at the end of XXXX and in early XXXX, noting that the escrow balance on our account never decreased, which indicated that no tax payment was ever made by Shellpoint. 

On XXXX XXXX, we received a late notice from the Town of XXXX, CT, indicating the the taxes still had not been paid and assessing late payment interest, despite Shellpoint 's repeated assurances to that effect. We immediately contacted Shellpoint to complain and make sure the taxes were remitted immediately. After several phone calls on XXXX XXXX, we were finally able to secure a commitment that the tax payment ( plus interest charges ) were going to be paid and sent out for overnight delivery to the Town of XXXX, CT XXXX Collector via XXXX. It is now XXXX XXXX and the tax payment still has not been received by the Town of XXXX, CT Tax Collector. I called Shellpoint again today and the response I received from the Customer Service Supervisor was that " they will contact the Shellpoint Tax Department to determine what happened. '' This is completely unacceptable and in violation of the terms of our mortgage agreement. Shellpoint is legally obligated to pay our property taxes on a timely basis and it has failed to do so. 

To make matters worse, during today 's call with the Customer Service Supervisor, I also had to instruct Shellpoint to fix the payment date for our second property tax payment. Shellpoint had the payment scheduled for XXXX XXXX, XXXX when, in fact, the real estate tax bill they have on file clearly indicates that the second payment is due on XXXX XXXX, XXXX. Given the issues with our property taxes thus far, we have no confidence whatsoever that our XXXX XXXX property tax payment or next year 's homeowner 's insurance payment will be made timely by Shellpoint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My student loans have been with Navient a.k.a XXXX since XX/XX/XXXX, When I graduated in XX/XX/XXXX, I was told by a representative that I was not allowed to consolidate my loans, do an income-based repayment plan, apply for a forbearance or deferment, or lower the interest on my accounts. Over the past 7+ years, my loans have more than doubled. Going from {$47000.00} ( the original borrowed amount ) to {$97000.00} ( according to the amount posted on their site. ) When I spoke to the representative during that time, I was told that my monthly payment would be almost {$600.00} and I told them that I had only made about {$XXXX} working part time at XXXX XXXX. 
Now, my credit report is severely damaged as each loan is broken down as individual loans and not a consolidated loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: RGS Financial, Inc.
State: CA

Complaint narrative:
My current contact information is available on any of the XXXX Bureaus. XXXX, XXXX, and XXXX. RGS Financial claims they have sent me via mail the verification paperwork, which is untrue. The RGS Rep I spoke to could not even recite any address that the said paperwork had been sent to. I gave the RGS Rep my current address to forward any and all documents that support their claim ... that this account belongs to me. The RGS Rep was surprised that my address is XXXX, not XXXX. They never sent any paperwork. That would only validate my side. I sent a letter to RGS which I have attached. A second one today. They are in violation of the FCRA guidelines and I need assistance with this problem. In speaking with the RGS Rep he continued to circle back to the same directive, " how would you like to take care of this, XXXX, XXXX? ". I explained that I have never had a XXXX account now or in the past. The time frame they are claiming is only assisting in verifying my claim. They state the account was opened XX/XX/2016 ... well I have been in XXXX, XXXX going on two years. The RGS Rep stated it was an account from XXXX. I was not in XXXX at the time They claim. It is a farce. I would like your Agencies assistance in my request of either getting it removed from my XXXX report or forcing RGS Financial to forward me all the documentation they are claiming verifies this account as mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The original loan was with XXXX XXXX then XXXX XXXX XXXX purchased my load then sold it to XXXX then changed their name to Shellpoint. I have on many occasions asked that my loan be modified into a 30 year fixed they will not respond to my request. These loans were a horrible thing they did to consumers and I have tired many times in the XXXX years to get out of the ARM. My loan payment goes up every XXXX months the original amount was {$1200.00} a month has now increased to {$1400.00}. I can not continue this madness!!! I NEED HELP!!! I contacted my Congressman who suggested that I contact your company since my request have went unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: JH Portfolio Debt Equities, LLC
State: PA

Complaint narrative:
To whom it may concern : This is to let you know that I requested JH Portfolio Debt Equities LLC on XXXX 2014 to cease all collections activities since the debt in question is time barred and is no longer collectible or enforceable ( see attached ). 

The initial date of default on this debt XXXX original creditor : XXXX XXXX was over XXXX years ago. I have never acknowledged this debt, or made any promise to pay. This debt is past the statute of limitations in all states, including Pennsylvania. 

JH Portfolio Debt Equities has violated provisions of the FDCPA by implying that the legal status of the debt is collectible ; specifically, by reporting the debt to credit bureaus ( see attached XXXX print out ). The specific provision violated is : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I would like to solicit your help and expertise in dealing with this matter, as this company may be exploiting law-abiding citizens XXXX of Pennsylvania. 

My ideal outcome would be : a ) proof from JH Portfolio Debt Equities that this debt is enforceable - if at all it is. This includes all prior monthly statements and payment records on this account. 

b XXXX confirmation from JH Portfolio Debt Equities that they have requested the immediate removal of these records from my credit reports XXXX XXXX XXXX. 

c ) under the FCRA and FDCPA, each violation is subject to a {$1000.00} fine payable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc.
State: CT

Complaint narrative:
i continue to get calls from numerous people who hang up when you ask why they are calling you from phone number XXXX the reps are rude and they have no info on the who the actual bill is owed to.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK
State: VA

Complaint narrative:
We have had our mortgage with Astoria Federal Mortgage Corp, recently changed to Astoria Bank, since XX/XX/XXXX. We have had an adjustable rate with this lending institution from day one and have been trying for 10 years to modify our loan to a fixed rate so it does n't continue to adjust yearly. In XX/XX/XXXX we tried for a modification, but we were denied because of lack of income and the collateral was not sufficient. But we continued to pay our mortgage for the last 10 years and have never missed a payment until XX/XX/XXXX. On XX/XX/XXXX our family encountered a true and devastating hardship. With a 2 day notice and no severance pay my husband lost his job of 15 years unexpectedly and through no fault of his own. We reached out to Astoria on XX/XX/XXXX and spoke with XXXX and she reassured us that this happens and our payments would more than likely be reduced our rolled into the end of our loan. We were hopeful. We immediately filed paperwork with the Loss Mitigation Department at Astoria. We contacted the Hope hotline and talked with a counselor, XXXX, who told us we were clearly eligible for certain programs put in place by the government to help families like our own. We also reached out to our local HUD agency and worked with a counselor, XXXX XXXX. Well after all that we received a phone call from XXXX XXXX from Astoria on XX/XX/XXXX ( but just received something in writing through an email today XXXX/XXXX/XXXX which put us past the 14 day appeal window ) that the committee would again deny us any modification because of lack of income ( no kidding ) and that they do not participate with HAMP. Lack of income is the reason we are in this situation in the first place. So at that point we were 2 months behind on our mortgage and incurred 2 late payments of {$160.00}. Our credit score dropped XXXX points in 3 weeks from excellent to fair. We are responsible people and have always paid our bills on time. We are still just trying to provide for our XXXX beautiful children on what little savings we have. We did come up with the past due mortgage amount and are now current on our loan. My husband is back working and we are trying to get back on our feet. We just want a modification so our rate does n't continue to change yearly. Sad when we have continued to pay our mortgage when they said we could n't, but with no help ever in the past 10 years, Astoria just continues to adjust our rate yearly. Predatory lending at its best ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
I noticed a debt listed on my credit report. It shows {$300.00}. I disputed this once but was never given any info as to what it is for or any type of validation. Because I was not properly notified of this debt and given the 30 days allowed by law to dispute the debt or any potion thereof ... I am requesting this be deleted due to failure to provide me with notification and validation of what this is.

Company response to consumer: Closed
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. My daughter, XXXX XXXX ( formally XXXX XXXX ), and I purchased a home together in XXXX. The mortgage went through a number of transfers of lenders over the years but has been serviced through Shellpoint Mortgage Servicing since XXXX timeframe. When we purchased the home, the members of our household included XXXX of my adult daughters, my wife XXXX and me. At the time, the expectation was that each of us would contribute to the mortgage and overall housing expenses. Unfortunately approximately a year after moving into our home, XXXX suffered XXXX ever since. As a result, XXXX had to retire earlier than anticipated. My children attempted to care for her while I continued to work. After roughly another year or so, this proved to be unattainable and I was forced to retire to become XXXX full-time caregiver. While I am of age to retire, these circumstances forced me to retire earlier than expected. Due to XXXX condition, we have incurred a significant increase in medical bills as the result of routine doctor visits and various medications to treat her condition. Additionally, a few years ago XXXX eventually married and moved out of our home which resulted in another reduction of household income. 

At this time, our income is limited to our monthly social security checks. These circumstances have resulted in our inability to make our mortgage payments. We had explored loan modification to no avail and were also considering a short-sale however this would have resulted in us becoming homeless due to our income and the housing crisis in the XXXX XXXX. In XXXX XXXX, we received notified that Shellpoint issued a Full Reconveyance of our first mortgage. We were not aware that they decided to do this and attempted to contact them on numerous occasions and they would not return phone calls to explain the situation. We ended up contacting the company that filed for the reconveyance, XXXX, and they confirmed that Shellpoint instructed them to remove the loan from title. After a few more failed attempts to get clarity from Shellpoint, we sold the home to downsize and bought another home. XXXX and I was working with a reverse mortgage lender and right before closing, Shellpoint issued a foreclosure status on my credit. This occurred after we already sold the home in which they removed the lien. Given that this was non-recourse debt, we are not sure why or how they are considering foreclosure on a home that they no longer held a lien on plus we sold the home. We would really appreciate some assistance on this matter as it effectively resulted in our inability to close on a reverse mortgage and it is also still on my daughter 's credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
the guy said my credit card number so many times I had to ask him to stop saying it he had it the first time. he gave up the expiration date and the XXXX digit code om the back. if i get any unwanted charges on it it came from 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 2017-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CMI Group, Inc.
State: UT

Complaint narrative:
I have disputed this account several times and provided information related to the identity theft and fraud. This account is not mine has never been mine and is a result of identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation