vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ark-La-Tex Financial Services, LLC
State: PA

Complaint narrative:
I XXXX county school taxes XX/XX/XXXX XX/XX/XXXX.Benchmark has stated to me they had the taxed XX/XX/XXXX. As of today XX/XX/XXXX they are still refusing to release the funds to pay these taxes. There is over {$2600.00} in my escrow account. The taxes are now loaded with the court house with the tax claim department. Benchmark Mortgage has sent a {$20.00} check to get the information released. They are now refusing to call to get the figures for XXXX. I am at a loss trying to get the the funds released to pay the taxes. There is sufficient funds and still they will not release the funds. I have los time at work over this - this has caused so much unnecessary XXXX. Please help me. My property is in tax claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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: FL

Complaint narrative:
Credence Resource Management has been recently attempting to collect on a debt here and Florida where they do not currently have a license to do so. I first requesting validation of the debt and after researching creditor further, I learned that their license is inactive here in the state of Florida yet they continue to report this debt on my credit report. 

I 'm not sure how they obtained this information from XXXX, as I do not nor ever had an account from them, but to not even be legally authorize to attempt to collect this debt in the state of Florida is surprising to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North American Credit Services
State: TX

Complaint narrative:
I have received a multitude of calls for a XXXX XXXX. I have had this number for over XXXX years. There is a large XXXX XXXX here and I looked up her former addresses and she has lived in XXXX XXXX, XXXX and XXXX XXXX, XXXX. They have called XXXX times today and XXXX times since XXXX XXXX. Usually XXXX times a day, XXXX a week. Most collection agencies do n't call so much. I have the number blocked. According to XXXX these people are very rude.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX, 2015, I received a collection letter from BCA Financial Services , Inc., XXXX, XXXX, demanding payment for a debt for their client, XXXX XXXX XXXX, XXXX XXXX, XXXX. I immediately responded to this collection agency in written form telling them that I have been disputing this matter with their client for almost a year, with valid medical reasons for said dispute, as well as instructing them to cease all further contact with me. On XXXX XXXX, I received a second letter from them again demanding payment for the same client. I have, for the second time, sent them a letter informing them that I will now report their agency to your agency and both state attorney generals ' offices in XXXX and XXXX. In this second letter I reminded them that they were previously instructed to cease any further communication, yet they chose to ignore my request. This is why I am filing this complaint against BCA Financial Services , Inc..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My newly re-financed loan was bought and is now handled by Shellpoint Mortgage Servicing. I received a monthly statement that included nearly XXXX the regular amount charged for escrow. When I called to inquire, I was told that the escrow analysis did not exist yet and that the representative did not have information available to answer my questions. I was told that I would soon receive the escrow statement in the mail. This morning - more than a week after my XXXX call - I called again with the same inquiry. XXXX, I was told that the person I spoke with originally had NOT placed a request for an escrow analysis, but that the representative would initiate a request. When I told the representative that I needed information immediately as my payment was due, she told me she could not help. I asked to speak with a supervisor and my call was forwarded to someone 's voicemail. I called back, had a similar conversation with a different representative, and my call was forwarded to another voicemail. 

There has been no increase in my taxes or insurance. While I understand that escrow shortfalls do happen from time-to-time, I am unaware of any legitimate reason why there should be a shortfall that amounts to almost an extra months ' payment. 

I have now researched Shellpoint Mortgage Servicing and see that it is a regular practice of the company to seek additional funds PRIOR TO providing homeowners with information as to why the increase is legal and warranted.

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 2015-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
Vhda lawyers and bankruptcy attorney bullied me into an agreement that was impossible to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Shellpoint Mortgage Service XX/XX/2016 ATTN EXCALLATION DEPARTEMNT LOAN NUMBER XXXX XXXX, Chief of the Escalation Department. 

Dear XXXX : I am in receipt of the letter send from you Department on XX/XX/2016- Someone is CLEARY NOT PAYING ATTENTION TO MY ACCOUNT : OR THE RETENTION OF MY HOME- When I received the call on XX/XX/2016- from XXXX he knew that the DOLLARS where incorrect on my Modification Denial with the UNDERWRITING DEPARTMENT not adding any rental income. In addition, his superior called me per my insistence in the Denial of the Modification an also concurred that there was no rental income and the Modification showing a NEGATIVE loan ratio of ( -140 % ) -- Debit to income- NOW let 's look at page one of your XX/XX/XXXX letter FROT with ERRORS- and misinformation. 
# 1 My net income for EXCURSIONS as sent in is $ XXXX That is my SEDAN CAR BUISNESS No added correctly is the long term rental property income of {$5300.00} discounting the income per HAMP at 75 % is a positive {$3900.00}. THAT would clearly make a monthly NET income to me of {$6500.00} per month NET to ME XXXX- take away the MORTGAGE PAYMENT for the rental unit of {$2600.00} = {$3900.00} take away with a new HAMP MODIFIED PAYMENT on the balance of {$370000.00} on a 2 % note the payment would be at {$1300.00} per month- plus taxes and insurance of roughly {$500.00} per month I would be at 50 % LOAN TO VALUE NOT NEGATIVE 140 PERCENT- SO, let 's look at {$6500.00} a payment of {$1900.00} would be a positive 32 % Debt to income ratio- Now please try to explain this to the Consumer Protection Bureau- your response is not posted on my site and a second note was sent to you for my concerns of your response. 

XXXX CO XXXX- XXXX CC XXXX Attorney on File and the Consumer Protection Bureau. 
\

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North American Credit Services
State: FL

Complaint narrative:
i have no knowledge of this account im on food stamp and XXXX. i should never of had a bill for medical expenses. im not sure if this is a billing issue but they are posting this XXXX $ debt on XXXX reports and constantly calling my phone. its obnoxious and at minimum id like them to notify me by mail only and remove this from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CMI Group, Inc.
State: WA

Complaint narrative:
I am a victim of identity theft. My personal information was used to open an account at XXXX in XXXX 2012. I have already disputed this debt twice. I did not open or authorize this account, and I therefore request that it be closed immediately.

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 2016-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: ID

Complaint narrative:
Servicer has been avoiding compliance with XXXX guidelines and CFPB rules for proceeding to a foreclosure sale when a loss mitigation application is still pending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 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: The CMI Group, Inc.
State: CA

Complaint narrative:
I received a bill from XXXX XXXX XXXX company XXXX 2015, XXXX months after I terminated service in XXXX 2015. I wrote back multiple requests asking for a detailed summary of charges since at the time of termination I was told by the rep, I was owed a credit since I was billed a month in advance per their billing cycle. Surprised when I received a bill but no explanation of charges. Mailed multiple requests asking a detailed summary of charges. Never received anything. Next thing I know, I receive a letter from a collections agency on behalf of XXXX XXXX. I called them finally to try to get to the bottom of the situation. Was told they received my requests for a detailed summary of charges and had mailed one out but I never received it. I then asked what the charges were for and the collection agency said for close out fees. Please note I was not on any type of contract with XXXX XXXX but on a month to month basis. I also informed the rep over the 5 years I was a XXXX XXXX customer, I never was notified of any close out fees on a month to month service basis. The rep then put me on hold and transferred me to a manager. The manager was rude, cut me off multiple times and said they will be reporting me to the credit bureau. How is this fair and is this not against the law? A consumer is asked to pay a debt blindly with no explanation of charges whatsoever, no response to multiple requests of a summary of charges and then told the fees are for close out service fees that I was never made aware of? Is this illegal? How is a consumer to protect themselves and their credit against companies like this? What can be done here to protect me, the consumer?

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 2015-11-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NH

Complaint narrative:
I received a letter from Credence Resource Management saying their client, XXXX XXXX XXXX, had purchased my account. This was for a medical bill from an accident that happened in XXXX 2014. I had quite a few bills from this accident that I had to work to get re-submitted and paid by insurance and I believed I had dealt with all of them. This bill was for {$990.00}. After calling, they told me they could not re-submit my bill to insurance as too much time had elapsed. When I pressed that this was not my responsibility and there must be a mistake, I was put on hold for XXXX minutes. When I talked to the representative again, she indicated there had been a mistake and that I only owed {$70.00}. I asked why I owed this amount and after a lengthy explanation ( none of which made any sense ) I told her I was concerned this was a scam. She asked me if I wanted to speak with a supervisor and put me on hold. Very quickly someone else got on the phone and informed me that I did n't owe any money and apologized for the inconvenience. I do n't know how these people got my medical information, but it seems like a clear scam where they were trying to get me to send them {$990.00} by claiming my insurance did n't cover a medical bill and trying to hold me responsible. This company SHOULD NOT be allowed to keep doing this to unsuspecting US citizens ( I did a search of Credence Resource Management and all of their employees on XXXX are based out of XXXX, XXXX ). This company is either blatantly scamming people or hacking and stealing personal information about medical bills and then sending fake bills. This is not right and I hope someone can stop this from happening to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
The mortgage servicer keeps contacting me to say that I owe them more money, after I have already sent in my payment. But they unable tell me why I owe the money or how many days were included in the compounding of the interest rate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
The mortgage in question was foreclosed on in 2014. This just happens to be the time where my identity was stolen and I could not use my credit to secure refinance. Anyhow, Shellpoint mortgage is reporting to XXXX that the payment status is " LATE '' while reporting a XXXX balance, today. I have been denied credit based on this late status and would like to pursue damages in court. I have contacted ShellPoint several times verbally and in writing and all attempts have failed. Here is the stupidity of the matter, on XXXX they are reporting me paid in the exact same column that they are reporting and defending on the XXXX report as late?!?!?! One way or the other they are wrong at least on one report! The credit bureaus are useless and claim to report what they are given regardless of any fault or error, they simply report no matter what. This has adversely affected my life and my future. 

I want the status of the report to be paid as it is on the other bureaus and I would like a list of attorneys skilled in this matter. The account number is XXXX, this is all I have. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 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: RGS Financial, Inc.
State: NV

Complaint narrative:
On XXXX XXXX, XXXX I order a copy of my credit report. Report number XXXX, on that report I found RGS Financial XXXX XXXX XXXX. For {$200.00}, Date opened XXXX XXXX, First reported XXXX XXXX, Partial account number # XXXX. 
I did not receive notice of right to dispute.This is being report on XXXX, report number # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Sierra Credit Corp
State: CA

Complaint narrative:
I had gotten a loan from Sierra Credit in XXXX, CA i let the car go resulting in my credit getting hit. Eventaully they brought my score way down and i decided to contact them and pay them to have them show im paying the loan. XXXX said i would see a difference in XX/XX/XXXX. I payed them since XX/XX/XXXX only to see they keep updating my credit as negative. I have receipts that im paying but they keep hurting score, i have tried contacting them to speak to XXXX and the representives tell me i will get a call back. This was over a month ago. I refuse to pay more money to this company as they are hurting my credit score regardless if i pay them or not. I wonder how many individuals theyve done this too already. I have not and will not pay until i receive a call, which the neglect to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: JH Portfolio Debt Equities, LLC
State: PA

Complaint narrative:
jh portfolios re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with XXXX ..., XXXX and XXXX deleted it ... XXXX has not

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 2015-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Shellpoint delivered personal and confidential documents by mail and by messenger to a renter at our home and told our renter that Shellpoint was unable to find or locate XXXX XXXX regarding a delinquent mortgage. The billing address for this mortgage is Pennsylvania. They never once made a call to us prior to sending messenger or certified threatening letters. They took double payments from my checking account on XXXX, which I thought covered XXXX and XXXX payments. 

They violated confidentiality laws and my rights by speaking and handing docs to someone other than 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 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Greetings, This concerns a foreclosure case. The Trust that currently hold the note is not responding to the short sale offer. I 'm not sure if their attorney has sent it to them. Although I have an email that confirms it. I have called the Florida Bar twice to try to reach out to the attorney to negotiate the sale. The first time he did respond but not much since. They are trying to change the locks on the house while it is still in my name. The utilities are also still in my name and they are trying to lock me out. I am currently my own council for the case. I hope you can help me reach out to them to reach a settlement. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA

Complaint narrative:
I been having issues when using MoneyGram. When the money is transferred it is never available to the receiver, even after getting a confirmation transfer reference number. I sent money to this person several times before and have not been so upset with the agent service that MoneyGram provides. These people are not aware why and rude. I sent a transfer on XXXX/XXXX/2016 at a Walmart site and it was a10 minute request and was told that the person can get the money with the reference number and their ID. What a surprise they called and said it was not available. I was told " under review '' by the MoneyGram agent then transfer to someone who could not speak English well. So I asked him to slow down, then he hung up on me, very RUDE. 
The agent at the Walmart site when the receiver was also experience the same issue with the MoneyGram reps since I asked my friend. He indicated that the Walmart agent was not please, it took over 30 minutes, which is horrible service. 
Therefore I sent an feedback for someone to contact me within the US. However, they had a person not in the US called. She could not explain why the money was not available and then had the nerve to said " because the person name was similar to someone else ''. This I find to be a false since I sent money to the person several times and never had this issue. This type of information can be consider damaging to my character and the receiver. Therefore, I need corporate with the US to contact me on this matter!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I went to Collection Associates to get information on medical collections that keep showing up on my credit bureau that are keeping me from getting financing on a home. Collection Associates responded that they realized that the collections were not mine and told me that someone had to pay the collections. They would not issue a letter stating that they would remove the collections even after i provided proof that the social security number did not match.

Company response to consumer: Closed with explanation