vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
Today I was Contacted by XXXX from credit control at XXXX on XXXX/XXXX/15 for the purpose of a debt collection. She Previously called on XXXX/XXXX/15 XXXX and was unable to provide information substantiating a debt she was attempting to collect from XXXX XXXX When we first spoke I informed her that There exsist the possibility that I may be a victim of identity theft. To day when she called I informed I would not provide her with any verification information and to no longer contact me in regards to the matter or I would be forced to contact your agency and execute my rights under the law. I was very adamant and calm when I informed her of my wishes. XXXX informed me that the calls would continue despite my strict instructions that I do not want her to call my residence any more. To paraphrase her words, " it might not be me who calls but someone will call you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This is the most unprofessional unreliable non-trustworthy Mortgage Company I have ever had the displeasure of dealing with under any circumstances. ( 1 ) My loan was sold to Shellpoint, and I asked to change my due date so I could pay on my pay week and they flatly refused, which causing me to have to pay late monthly. 
( 2 ) I checked my payment history with a representative and was told all my payments were up to date in XXXX. Two weeks later I was told I owed for a missed payment back in XXXX. I did not recollect it, and was told everything was up to date. The representative told me he would review it since he told me the wrong information. a Month went by and I decided to pay the present and past month, although no one contacted me. 6 weeks later I was told I owed an additional month. I paid it and then found out your company turned in payments as being late to the credit bureau x 2 months while they were so called reviewing it. I would like to request that this data be removed from my credit account. The other problems are that every time I speak to someone in customer service, They give me the wrong information. These people are rude at times, hang up on the patron regularly and straight out either lie or are unknowledgeable regarding their jobs, which cause problems for the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 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 am needing to buy a home for my grandbabies to grow up in with me. My credit report has this collection on it and I think it 's wrong. They never write me or nothing!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
I have a charged off debt that has been sent to Bonneville Collections. Due to some discrepancies between what the agent said, and what I saw on my credit report, I requested a call back to be scheduled for next week so I would have time to investigate the debt with the original creditor. The agent from Bonneville Collections warned that they would not schedule a call back, but rather that I would need to call back in myself because the account was going to be sent to their legal department today or tomorrow due to the length that they have had the account, and so calling back in a week would be too late to do anything. This threat of legal action infringes on my rights. Additionally, the agent would not give detailed information regarding the debt beyond the name of the original creditor and the total balance. 

In summary : My net impression of the conversation with Bonneville Collections was that I had an outstanding debt which was sold to them. They wanted a payment plan to be set at the time of the call. or else it was going to be sent to their legal department either the day of the call, or the day after, with no time alloted to investigate the debt discrepancies. They are threatening legal action on a debt I disagree with due to details on my credit report and would not provide information on their end to help me to verify the debt. I refuse to blindly pay a debt after discussing vague details on XXXX phone call, and certainly do not wish to have legal action threatened to manipulate me into doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 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: The CMI Group, Inc.
State: ID

Complaint narrative:
I have recently discovered that XXXX XXXX has reported a delinquent account to my credit report in the amount of {$250.00} in which they state on my report that they are the original creditor and that the account was opened XX/XX/XXXX. There was no such account opened in XX/XX/XXXX. The original creditor was XXXX ( and XXXX is no longer in business ) in which the account was sent to collections in XX/XX/XXXX by XXXX. XXXX XXXX failed to have ever send me a debt validation notice 15 U.S.C. 1692g They have further falsified information on my credit report stating that they are the original creditor and that the account was opened in XX/XX/XXXX, this is simply not true.

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 2016-05-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: OH

Complaint narrative:
This debt was through XXXX. The retailer closed my account, and changed who they have do their credit. The account was paid in full before they switched companies. I have a discrepancy on my credit report. I tried calling the debt collector, and they have no account matching my name. The name of the debt collector in JH Port Debt for {$400.00}.

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 2015-10-07 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: TN

Complaint narrative:
On XXXX/XXXX/15 I contacted XXXX to ask about getting my services lowered because my " special '' was running out in XXXX 2015. XXXX was unable to get the service lowered to my previous bill amount. I discussed with the agent and was told that my billing cycle ended XXXX/XXXX/2015. I paid my bill in full through XXXX/XXXX/2015 and advised that I would like to have my services disconnect on XXXX/XXXX/2015. The agent was very nice and advised that on XXXX/XXXX/15 I would no longer have XXXX service. They also advised that I could take all of my equipment to local XXXX store to mail back at no charge. 

On XXXX/XXXX/2015 I came home from work and my services were turned off, just as I discussed. On XXXX/XXXX/2015 I took all the equipment to the UPS store ( attached receipt from XXXX store and attached email confirmation from XXXX ) and mail back to XXXX. This completed my business with XXXX. 

On XXXX/XXXX/2015 I received the attached bill from XXXX stating that I had a outstanding balance of {$190.00}. I called the customer service number ( XXXX ) to see dispute the charges on my account. The customer service agent advise the charges were for XX/XX/XXXX. When I advised that I disconnect my services on XXXX/XXXX/2015, she then advised she would have to transfer me to someone else. The XXXX agent advise me that the charges were for XX/XX/2015. I advised that I paid my bill in full when I called on XXXX/XXXX/2015 to disconnect my service on XXXX/XXXX/2015. The agent then advised me that they could see where I called in on XXXX/XXXX/15 and paid my bill, but the agent at the time should not have told me that I paid in full. I continued to dispute the charges. The agent transferred me again. The XXXX agent advised me that XXXX had since gotten a new billing system and that some of statements were incorrect and that it looked like I had been billed twice for what I had paid on XXXX/XXXX/2015. They then transferred me again so that someone could clear the charges. The XXXX agent advised me that I owed the {$190.00} and they could not clear it. I continued to dispute the charges. The agent advised that my account was still active, when I ask how and explained that I did n't even have any equipment she said they never received my equipment back in the mail. I gave her my reference number from the XXXX store and she could not find it. I waited on hold for a " supervisor '' to speak with. The supervisor was very rude and explained to me that I just needed to pay the bill or get turned over to their collection agency and have a bad mark on my credit. I currently have a XXXX credit score and take pride in paying my bills on time. I do not appreciate being threatened. After XXXX min with nothing resolved I hung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-31 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: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
In XXXX XXXX I had a few unpaid toll road charges assessed to my license plate from the XXXX XXXX XXXX XXXX XXXX. I am a toll tag consumer with XXXX Texas XXXX XXXX. In the state of Texas if you have a toll tag with another agency, your toll tag is operational within the state Texas. Linebarger, Groggan, Blair, & Sampson LLP is a collection law firm for the state of Texas. XXXX fail to notify me about these unpaid charges. They claim they sent invoices to the mailing address associated with my XXXX account. I never received those notices. In fact in XXXX I received an invoice from XXXX and took care of those charges. My mailing address has never changed. After 60 days my unpaid tolls were sent to the collection law firm. They claim they sent notices and phones calls I never received. XXXX XXXX, XXXX was my first notification, because I was renewing my vehicle registration and there was a hold on my registration. I am a law abiding citizen and a tax payer. I would have appreciated if XXXX would have notified me better, so all of this would have been avoided. I have a toll tag account in good standings. Those toll charges could have been deducted from my account. XXXX policies are not set up that way and they do n't share or have access to the different toll agencies. I have been trying to negotiate with the law firm, but they keep giving me the run around. I thought a had a glimmer of hope when a representative from XXXX 's administrative office contacted me to make a settlement with removing some court fees. The total bill is {$490.00} and the administrator offer to reduce the charges to {$280.00}. I counter offer for half of the {$490.00} with {$240.00}. The administrator explained she had to consult with the attorney. The attorney denied my offer and it 's written in their system that I denied the settlement offer and I have to pay the full amount. I need my registration newed so, I will be in compliance with state operating my vehicle on Texas roads. I am restricted to use the toll roads, because this matter is not resolved. This is all a big inconvenience for me. XXXX is being greedy and want to enforce their laws instead of being reasonable and work to with me. I feel I should not have to pay those tacked on fees just the toll road charges which total up to {$14.00}, but I 'm willing to pay some fees, so that I can move on with my life. I do n't have time or the energy to go back and forth with these people. Can you please help 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 2016-02-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Emerald AR Systems, LLC
State: AZ

Complaint narrative:
These charges related to my XXXX that took place on XXXX XXXX have been, for the most part, written off as XXXX who I settled my hospital dept of {$10000.00} for {$270.00}. 
The reason being XXXX fold. The first reason is that I have a witness, who drove me to my XXXX that day that the hospital representative said my insurance would cover 100 % of my costs related to my XXXX. Later, I was notified that my insurance would not cover it. 
Also, I am currently retired and only receiving {$860.00} per month to live on, with not a cent left over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank - Lowes Credit Card The company does not any longer provide an online statement unless you agree to electronic billing. That 's probably legal. 

The company does not provide a statement of " balance due to avoid interest charges on your next statement '' ( XXXX XXXX does ). They 've argued that is legal and they 're not obligated to provide that information directly. Consumers can calculate the amount by subtracting promotional balances. 

Today I 've been on chat support with Lowes/Synchrony to pay my bill correctly, and so far XXXX agents can not explain what happens when I send in a payment regarding how the payment is applied to promotional balances. Oldest balance first? dunno. Allocated proportionately? dunno. 

The answer offered by each is that it is 'automatic ' and 'by the system '. 
It 's probably disclosed somewhere - but why would n't a full time company representative know this? 

What I was trying to understand is that I had actually zero current activity but there are XXXX separate zero interest promotional balances incurred at different times. Today I was making a payment. My past payments reduced the balance of all promotional purchases but not the oldest first. No one can explain the logic. 

The agents say that they can not explain the allocation but, to their credit for doing their best within their authority, that consumers have to call or chat each month if the consumer wants the payment applied to the oldest balance or in any particular way. 

Could the company comment, is this information correct? 

Why ca n't anyone just explain the payment policy? ... is it too complicated?

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 2016-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
When they originally called they actually called my in-laws who would not give them my number, when I called them back she did not tell me it was an attempt to collect a debit or anything of that nature. Basically jumped right into making payments. In XXXX 2005 I received some charges in which I was to pay some fines, over the course of a few years I made payments, and when I filed my taxes they took my state return. I assumed since I was n't getting returns that they were still taking them, I was just contacted today for this debit ( 11 years later ), according to them they have sold my account 3 times and have failed to find me, yet I 've lived in the same county for 8 years, gone to school, applied for loans, I have phones and bills in my name, not to mention a simple google.com search brings up my information. The original debit is for just under {$900.00} now they want me to pay over {$1300.00} for their collection costs. They were able to verify my address in XXXX XXXX, Utah. I do not have any type of documents and when calling the court house they have destroyed my file therefore there is nothing left of this case.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville Collection Agency is trying to collect a debts from XXXX on XXXX court fines that were paid in XXXX. Unfortunately I threw out all records of payment about 2-3 years ago. Since no one had made any attempt to contact me in 10 years, I was certain the matters were closed. The amounts of the fines originally were between $ XXXX {$500.00} and now with 12 years of interest accrued are around {$1500.00}. 

On speaking with the representative originally she acknowledged that at least XXXX of the files was so poorly documented that she could n't understand what was owed. She also told me that it actually appeared to her that I should not owe anything to her and she would have someone else look at it. I was just contacted again and told that I needed to pay the full amount, but I refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 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: TX

Complaint narrative:
I was alerted by my credit monitoring that Credit Management LP placed a collection on my account on XXXX/XXXX/2016. I immediately called my credit monitoring personnel and they directed me to Credit Management LP. I spoke with XXXX from the company on XXXX/XXXX/2016. I did not get her last name. I asked XXXX what the collection was for and informed her that I had not been notified of the alleged delinquency. She explained that if I paid the balance which was {$140.00} that it would be removed from my credit. I asked XXXX several times would the collection be removed from my account and she assured me it would. I explained to XXXX that I did not want the account to just say paid ; I explained that I wanted to make sure the account was removed from my credit report. She reassured me that the account would be removed and I could go to the company website on XXXX/XXXX/2016 to print off the letter stating the account would be reported and removed. I asked XXXX again if the account would be removed and if the letter would state such. XXXX assured me it would be removed. I went to your website on XXXX/XXXX/2016 and printed off the letter. The letter states the account has been satisfied, nowhere does it say it will be removed from my credit report. The letter states " ... if we reported your account to the credit bureaus, they will be notified to update their records, accordingly ''. I called Credit Management LP on XXXX/XXXX/2016 and spoke with XXXX XXXX. I explained to XXXX XXXX what my previous conversation with XXXX entailed. XXXX XXXX could not assure me that the account would be removed from my credit report. He stated that it would be removed, he just could not tell me when. I asked him what that meant. I informed him that I did not want this to linger on for months and he stated it would be removed he just ca n't say when. I asked to speak with a supervisor. He transferred me to XXXX XXXX. She identified herself as the floor manager. I am not for certain if XXXX is her name ; when she initially greeted me I was under the impression her name was XXXX. I challenged her about this and she told me that I got her name wrong. I informed her about each conversation I had with her employees. She informed me that they do not remove items from my credit report ; they simply report it to the bureaus. I expressed my disdain for the situation and explained that her employee assured me that the collection would be removed. She then stated that I could write a letter requesting it be removed. Her company would go over the recorded conversation and if her employee promised my account would be removed, then they will honor it and have it removed.

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 2016-08-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
My mortgage servicer and lender ( s ), Shellpoint Mortgage, et. al., will not acknowledge nor process my application for modification. I have sent it via email to XXXX ( XXXX ) email addresses they gave me and also, for good measure, sent it by First Class US mail. I followed up months after sending it in, but, they will not acknowledge nor process my modificatiion application. They now say that I they have given me loss mitigation options, but, they have not, refuse to process my application! They are referring my file to foreclosure. I have been trying to modify this for years and this is what happens every time. They also are harassing my wife ( who is not on the account whatsoever ), my little girl ( XXXX years old ) and my son ( XXXX years old ), by sending a man to our front door and interrogating my family about collection / foreclosure, writing erroneous collection / payment demand letters and communicating on the phone about erroneous collection / payment demands. This man would not give his name or his company. I requested information pertaining to this man, who has been to our home on multiple occasions, but, Shellpoint, nor XXXX or XXXX would not respond. Also, they have given me multiple names of Owners of the 'loan ' including XXXX , XXXX and XXXX. I requested a meeting or video conference to see the Original Note, but, they will not respond. I want to see who is on it ( my wife is really upset because she is not on it ), who the real Owner is? and who they endorsed the Note to. If I had all of the money to pay this off, I would Honestly not know who to pay and would not for fear of XXXX or XXXX or XXXX other entities trying to collect on me ( and illegally attempting to collect my wife, daughter and son at our home )! I know that the RESPA law requires that they properly accept, acknowledge and process a loan modification / loss mitigation request timely prior to taking people 's homes. I ask that you require that they enforce this, with whatever authority you have or offer me any guidance and / or direction to remedy this large problem. Thank you so much in advance.

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