vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB has called repeatly to my work, which I have asked to stop. Calls are threatening for a debt I do not owe. Mutiple calls daily.NCB has even called my child 's cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Charlottesville Bureau of Credits, Inc
State: AL

Complaint narrative:
In XXXX of 2010 I opened a contract with XXXX, under the terms that I can break the contract at anytime due to them wanting my business and I was preparing for a transplant. The manager their signed me up for a membership, and stated with proper documentation they will not charge me anymore once it came time for my XXXX. However after moving, and deciding to review my credit this account was sent to collections, and I was indeed charged. I reached out to the corporate office of XXXX of the XXXX where I originally had my membership, and they stated I had no negative account and I was cleared from their system years ago. They advise me to ask the collection agency to send me verification of this account. I reached out to Valley Credit Services and was told by a female customer service rep they do not talk to debtors, nor do they verify, I would have to contact the gym. How? The gym sent me to them, and stated the information was not in their system as me owing them anything.They would n't even give me the name of the person/persons sending them this information. I spoke with the general manager of XXXX, as well as the gym manager and neither said they had negative information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation
State: WA

Complaint narrative:
Affinity Global ( was XXXX ) has called my ex-husband, his sister-in-law, my father and my daughter telling them I owe a debt and implying that I am in legal trouble for non-payment - XXXX of which are not true and is in violation of federal Fair Debt Collections Practices Act. They call my phone at least XXXX a day after I have told them many times that the debt is not mine. I sent a letter in XXXX XX/XX/2015 asking them to desist and to remove my number, and the number of anyone they associate with me from their records, yet they still continue to call and harass me and family and friends. Their language is threatening when they leave a message. Usually, they will call XXXX and hang up when they get voice mail, then they will immediately call again. The caller ID on my phone shows the calls coming from different states and numbers, yet it 's always the same person, XXXX XXXX, that leaves a message. I would like these calls to stop. I have also never received any kind of written notice from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I called XXXX XXXX XXXX and notified them that I wanted to cancel my phone service. They gave me a cancellation fee which I paid and I have a confirmation number. Months later I received a collections bill from XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I fell behind on my mortgage when the XXXX went through an economic collapse. I have tried to work things out with my servicer but got no cooperation. I was forced into bankruptcy because the current servicer ShellPoint refused to offer assistant for me to keep my home. I submitted all paperwork for a loan modification to ShellPoint Mortgage earlier this year. I qualified for the program. During that time, ShellPoint pretended not to get the paperwork. After stalling for months, ShellPoint approved some type of trial plan that has mystery terms that they do not disclose. I have been forced to make payments on a trial plan and this servicer has not disclosed the new principal balance and interest rate. I was hoping for a reduced principal balance but I believe that this servicer is discriminating against me because of my XXXX background. To this date, ShellPoint has not given me a chance to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I received a notice of unpaid tolls and charges from XXXX. The fees are from XXXX XXXX - XXXX XXXX, XXXX. The date of notice is XXXX XXXX, XXXX from XXXX. I have toll tags with XXXX. I will now have to research this payment that I already made and or was double charged to me through my tolltags. This is the first I know of this charge. It had been 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 2016-09-15 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: The CMI Group, Inc.
State: TN

Complaint narrative:
I have a collection account on my account without my knowledge for a company I do n't even know. I start received some collections calls on my cellphone any hours a days. I want this calls to stop and the debt to be removed immediately for my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PMAB,LLC
State: OH

Complaint narrative:
Insurance company should have paid this and i was told these debts were resolved and to disregard any bills sent to me. I never recieved any bills from the medical providers. I just recieved bills from debt collectors XXXX later, thinking by this time the insurance had taken care of it. Now these unresolved debts are affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc.
State: CA

Complaint narrative:
Multiple calls received everyday from : XXXX. 

I do n't know why RGS Financial keeps calling me. Calls XXXX times a day from XXXX XXXX to XXXX. Never left a voicemail or stated intention. I have not debt in collection after checking with XXXX major credit agencies. 

Several times when I pick up, there is only silence on the other end.

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 2015-06-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Credit Management has ignored my legal request for validation. Letter attached.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint Mortgage servicing has not paid my taxes since they purchased my loan The money is siting in escrow and I am being charged interest by the NY state government. They have made other errors as well such as listing the wrong mortgage rate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: North American Credit Services
State: NC

Complaint narrative:
company put collection notice on my credit report on a debt that was taken care of in bankruptcy court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: NY

Complaint narrative:
Received a letter from Stoneleigh Recovery Associates LLC and trying to collect the balance due for XXXX that has been resolved for so many years ago.

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 2017-02-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I am a XXXX Veteran, and this company continued to threatened me without any proper verification of this alleged debt. This debt is not mine and i have continued to request for validation and verification but to no avail

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My home mortgage company keeps adding late charges to my account when my payments are made on time and I believe they are trying to put me in foreclosure. I have contacted them twice about the problem. I have also tried to submit proof that the funds for my mortgage were drafted out of my bank account before they were late by sending XXXX emails, one for XXXX 2016 and one for XXXX 2016, with attachments of my bank statement to prove it. They have said that they will not contact me once I have submitted proof of my timely payments because that could cause potential privacy issues and that I have to wait until my next statement to find out how the issues is resolved. So I send them the emails. The first time supposedly no one got it. This time I keep getting an error message that my email has been delayed. I am not sure if my email will go through and I have never seen an error message like this. I am worried that my mortgage company is trying to wait until I have three late payments or payments with insufficient funds, in order to foreclose on my property. I believe that might even happen as soon ans XXXX XXXX, 2016. One of my supposedly late payments the funds were drafted on the XXXX and they did n't deposit it until the XXXX. These are unfair business practices and I really need CFPB to help intervene or I am afraid I may go into foreclose to the dubious actions of Shellpoint Mortgage Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX illegally and without any authority from the Trustee transferred our loan to Shellpoint Mortgage Servicing, I filed an appeal with Shellpoint regarding the our eligibility for a MHA HAMP Tier 1 modification and requested thorough documentation of the process, including an NPV. To date Shellpoint has not responded to our appeal, dated XXXX XXXX, 2015 ; and is having their vendors call and harass us, stating they are giving us " verbally '' notification of foreclosure. These vendors are in XXXX or XXXX. This is also illegal and this office need to contact XXXX, a MHA participant for not complying with the rules and guidelines in which cfpb is to enforce compliance. Furthermore, I have disputed the manner with cfpb, and to date no assistance what so ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 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: VA

Complaint narrative:
XXXX XXXX XXXX keeps trying to charge me for a month of service after I canceled my service on XXXX XXXX 2015. I returned my rented modem in the store and was told that my account was settled up, my auto payment was cancelled and that I would be billed for approximately {$28.00} on or about the XXXX XXXX 2015. On XXXX XXXX 2015 I was charged for the entire amount of $ XXXXXXXXI called on or about the XXXX of XXXX and asked why I was charged the full amount. XXXX informed me that this was an error and that I would be receiving a check for {$42.00} in the mail. On XXXX XXXX 2015 I was charged an additional {$71.00}. A few days later when I called XXXX I spoke to a few different representatives. First representative told me it was for my XXXX services since XXXX always bills a month in advance. Their website confirms this XXXX. The second representative told me that my services were still online because I did not turn in my modem, I informed them that I had and they said " oh yeah it looks like you have. '' I asked to speak with the next level manager who then told me at first that it was for my XXXX services. I informed them that I had canceled on the XXXX of XXXX and they then switched their story to " right you need to pay for the entire month of XXXX '' when I asked why it was n't Pro-rated they told me you pay after the services are consumed not before, a direct contradiction to my bill, their website, and the previous representatives. I was told their manager would call me back they never did. After a few more days I filed a dispute with XXXX XXXX. XXXX XXXX investigated the dispute and determined that the bill was not in fact mine. After XXXX lost the dispute I got a bill in the mail for my cable service for the month of XXXX and they have submitted the entire amount to a debt collection company. I am paid up and keep getting different stories from their representatives on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ASTORIA BANK
State: PA

Complaint narrative:
I am trying to obtain a short sale approval from Astoria Bank - they ( Astoria ) demanded that they have short sale approval from all junior liens BEFORE they would even consider a short sale. I pressured the junior lien holder XXXX XXXX XXXX XXXX for their approval - which was granted on XX/XX/XXXX17. I am not being told that this file will take at least another 30 days for Astoria to review and consider for a short sale. It has been almost 2 months since XXXX XXXX approved the short sale - and Astoria is telling me it will be at least another 30 days before they will have a response. Can this be escalated???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc.
State: CA

Complaint narrative:
Contacted me many time with my number but did just left a general message stating to please call RGS. They did not even mention who they are looking for.

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 2016-09-12 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:
A few years I saw that I had a collection open with XXXX about a debt but I 've never had XXXX so I disputed the debt with the credit bureau and it was taken off my credit report. A few days ago I once again saw that I had a collection in my credit report by Credit management for XXXX for {$1000.00}, I 've talked to XXXX about this and stated that I 've never had an account with them. I do not understand why I 'm still dealing with a debt I 've never had.

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 2017-01-09 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: CA

Complaint narrative:
I am a currently a XXXX ( not working ) and XXXX. Ten years ago The State of California Department of Rehabilitation and I entered into an agreement that they would retool me for working from home. In the process of their program, I ran to the limit of Federal Education Loans, and took a Private Student Loan from Sallie Mae. The State had promised to find me work upon completing their program. My XXXX conditions worsened, and the State of California released XXXX XXXX individuals ( I being one of them ) from its program to " save money '' for the State ( at that time in bad fiscal condition ). My Federal Loans were forgiven as part of my deteriorating XXXX situation, but Sallie Mae would not forgive my loans based on the fact that I knew I was XXXX when I applied for the loan ( even though that was not a factor in the application ). When I explained that my health had continued to disintegrate, they refused to accept this despite letters from my medical providers. My loan continues to grow with fees. I have no savings or any means to repay XXXX or settle with them. Also, I now have the XXXX loan on my credit report. This is a very black mark as I am definitely not a shirker of my responsibilities -- having once been an educator at the university level. I repaid my earlier XXXX loans. However, my current income ( {$1600.00} a month ) is hardly covering my living expenses. I did not get the opportunity to try to work because of the economic downturn. I had to go bankrupt because of accumulated medical expenses from the period that I could n't get insurance because I had preexisting conditions. I am an XXXX XXXX, and I ca n't get any kind of credit line to boost my credit worthiness ( for renting ) because of the bankruptcy, and, more significantly because of the student loan non-repayment. Sallie Mae has been horrible about this ( well-documented by others in a similar position ). I am now " in collection, '' but have nothing they can levy. I have been unable to work since 1995, and the State of California 's rehab opportunity that they would find me work did not materialize. I feel Sallie Mae has violated my rights as a XXXX individual. I have stopped communicating with them as it seems a hopeless situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. XXXX XXXX XXXX XXXX stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with XXXX XXXX XXXX XXXX to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the " Key Vaca Physicians '' debt which I thought I had settle earlier that month. XXXX XXXX told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: A/R CONCEPTS, INC.
State: IL

Complaint narrative:
The dentist billed me for an initial visit {$270.00} which I paid in full at the time of services rendered, then billed my insurance company - the ins. co. pd the dentist for the same date/procedure {$100.00}. The dentist did not refund the ins. pmt to me. Later I had additional work done by the dentist totalling {$1600.00} ( {$520.00} of which the dentist had agreed to write off - yet they billed my ins co for that work ). I paid {$800.00} & my ins co pd the original {$100.00} ( not refunded to me from the original visit ) plus an additional {$420.00}. By all accounts this bill is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
We have been working on a XXXX short sale with Shellpoint Mortgage - they set a sale date and foreclosed on the property today. They have foreclosed for {$48000.00} less than what was being offered to them on the short sale and the offer was above their determined Value

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