vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Shellpoint Mortgage Servicing ( Complaint # XXXX ) never sent me follow-up papers from XX/XX/XXXX to decrease the APR and/or monthly mortgage payment for my XXXX, OH XXXX property. My son lives at XXXX. In XXXX, I submitted applications for both properties ( including my residence at XXXX, OH XXXX ), but Shellpoint only gave me a modification for XXXX. The subprime rate on both properties in XXXX were part of the country 's XXXX Great Recession. I still do not want to be a sharecropper paying for properties that I will never own.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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:
XXXX XXXX XXXX XXXX XXXX Credit Management LP XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Re : Dispute of Collections Action To Whom It May Concern : I received an alert of my credit report change and found the following errors. See the attached copy of my account alert. 


Reason for dispute : I have had no interaction with your company and do n't owe you anything. 

I am hereby requesting that you confirm the fact that I owe any debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 

In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. 

Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 

Your next contact with me should be to either notify that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. 

If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the original application, bills, records of communications and payments, name/extension/phone number of person whom assisted you to verify said debt, and any other data that indicates my responsibility. 

I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 

Please acknowledge that you have received this notice within 14 days. 

Sincerely, XXXX XXXX

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 2015-11-25 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: OH

Complaint narrative:
Got a collections notice from a company saying I owe money. I sent them a letter stating that " Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts:1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Connecticut ; 4. proof of the last payment made on the account. '' The company responded with a letter stating " we have notified the client of your dispute and they have verified the information on this account to be true and accurate ''. There was no proof, nothing in writing, no proof of payments. Are they allowed to show this as proof ... saying that they contacted the client and they agree that it is legit? How is that possible? 
I had many problems with XXXX XXXX and my billing issue, including sending the bill to the wrong address. XXXX claimed they fixed the issue, but after 6 months I decided that I would call and complain weekly until the fixed it. They ended up waiving my bill because this issue was going on for about 9 months. The last person that I spoke to said they would waive my bill, but I told them to cancel my service instead. I think this was XXXX XXXX 's way of getting back at me for cancelling my service with them. I was told this bill would get waived. I 'm sure they have that recorded somewhere in their file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am trying to resolve ambulance charges for my elderly mother in XXXX XXXX. The charges were sent to Credence Resource Management in XXXX, and they are still unresolved. Mom ca n't hear and has XXXX that is progressing rapidly. I started contacting them in XXXX and they refused to talk to me. Their XXXX letter/bill to mom said that she OWED over {$1700.00}. But I see today on a Medicare statement dated XXXX XXXX, XXXX that Medicare PAID all but {$110.00}. Why were they asking for the full {$1700.00} in XXXX and until today? 

I submitted POA papers to Credence ( to get them to TALK to me as the daughter ) in XXXX and they said they never received them. Sent another large packet of papers including POA papers in XXXX with a signature receipt from XXXX XXXX. I received confirmation and signature from XXXX XXXX that Credence took delivery on XXXX XXXX. When I called on XXXX and XXXX Credence said they still had not received it. Their own internal paperwork is lacking! 

Today XXXX XXXX XXXX talked to Credence for a LONG time. They finally confirmed that they have the XXXX papers and can talk to me. They also confirmed that the bill was sent to Medicare and that Medicare partially paid it. {$110.00} remains to be paid. 

Mom has secondary insurance with XXXX XXXX XXXX XXXX - XXXX XXXX insurance. Credence REFUSES to send the remaining {$110.00} expense to XXXX XXXX XXXX, because they claim that it wo n't be covered. As I understand it you should just submit the expense and let XXXX XXXX XXXX determine if it is covered or not. 

Mom had an earlier ambulance ride XXXX XXXX XXXX ) that was FULLY covered by the combination of Medicare and XXXX XXXX XXXX. That is why I am insisting that the expense be submitted to XXXX XXXX XXXX. 

Please HELP get Credence to SUBMIT the residual {$110.00} expense to XXXX XXXX XXXX! 

P.S. This form is being submitted by the daughter who has POA. Mom ca n't hear and has XXXX which is rapidly progressing. I am just trying to resolve this bill.

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 2016-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EdFinancial Services
State: WV

Complaint narrative:
Let me start by saying I have been making my payments on time ever since I began paying my loans. I have never asked for repayment assistance and I know that my debt is my own to pay. 

After a phone call XX/XX/XXXX to confirm when my payment would be increasing, a representative name XXXX offered me an extended standard repayment plan. When I got the confirmation of my new payments in the mail, I realized that my new payments would be about {$300.00}. This was a far higher payment than what I 'd been told over the phone. I called EdFinancial to figure out the problem. Turns out, because my debt was {$22000.00} not {$30000.00}, I no longer qualified for extended repayment. This is where the trouble began. I was told by XXXX, a manager, that this was a " silly mistake ''. He went on to say that this " silly mistake '' could n't be fixed. EdFinancial could n't put me back on my old payment plan ... that I no longer qualified. He said that if I did n't want a {$300.00} payment that I would have to go on extended graduated repayment. I was n't happy because I knew that I 'd be paying interest only for 2 years, but at the time I could n't afford a {$300.00} payment. I received my new documents in the mail and went on with my life. 

Today I received a new statement in the mail ( sometimes they come via email and other times they show up in the mail ). I realized that for yet another month, EdFinancial will be withdrawing the same amount that I 've been paying for almost three years. So, I went back to look at my documentation and the information I could find on my EdFinancial account. 

According to the documents I was sent on XX/XX/XXXX, my payment should have increased on XX/XX/XXXX. It has n't, but my loan balance has. I am paying {$0.00} more than I was paying XX/XX/XXXX. At this rate, I will never pay my loan off. All this, because XXXX offered me a plan that I was not eligible for. I have contacted EdFinancial about the situation and I 'm currently waiting for their response. 

I am being penalized because of a " silly mistake '' made on their part XX/XX/XXXX that has been magnified by the errors being made since XX/XX/XXXX. What recourse do I have? How will they be held accountable for the mistakes made with my loan? How can this be made right in a way that I am not paying thousands of dollars more on a loan error that was not my fault?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 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: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
Have repeatedly advised of payment. See attached. 
Also, pcb email comes back ; " contact us '' page inoperable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: North American Credit Services
State: MI

Complaint narrative:
My husband was paying on my debts. I went through a horrible divorce, was left with no car. Could not work at the time. Had to move back into my parents house and start over. Did not have the money to pay debts. When I moved the bills were not sent to my new address I had no idea how much I still owed or that the bills were being sent into collections. Would like to negotiate a plan to pay off an amount of these collections to have the deleted off all XXXX credit reports now that I have a steady income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Bonneville Billing and Collections
State: WA

Complaint narrative:
I just received a notification from my payroll department of a judgment for garnishment in the amount of XXXX. I NEVER HAVE BEEN SERVED OR SENT A CERTIFIED LETTER NOTHING. Had I been notified of this debt I would have acknowledged or objected depending on what the debt is for!! Now my payroll director will be deducting XXXX $ every paycheck. I am a single mother who if I have to pay this along with my other bills and obligations will cause me to lose my house!! I work XXXX jobs and I 'm obtaining my XXXX XXXX. This is illegal! I was never given the chance to to object or even to take care of this debt on my own without getting my corporation involved!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Novea Portfolio Management LLC
State: CA

Complaint narrative:
This is in regards to XXXX original a count # XXXX in the amount of or close to {$29000.00} has more than exceeded the California time statue ( 6 ) years with no payments, activity and or dialogue in that same time ( 6 ) years, to legally collect this debt. I would like that the collection agency listed below, to contact XXXX and or other credit agencies to remove this negative mark from my credit report immediately and or issue to me on my behalf a document / letter in reference to that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PERSUE LEGAL REMEDIES that pertains to the XXXX # XXXX in the amount of or close to $ XXXXXXXXNOVEA PORTFOLIO MANAGEMENT ( their a count # XXXX ) Address : XXXX, Florida. XXXXPhone : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC
State: CA

Complaint narrative:
This agency is calling repeatedly every day to my work number and my coworkers - up to 3 times per day harassing my coworkers. This has been going on for weeks and they have been told numerous times to not call.

Company response to consumer: Closed
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I recently tried to open a new bank account at several banks and they all told me I had a record with ChexSystems and or XXXX and to contact these agencies. I have done that and have filed a dispute with ChexSystems once I received my report and noticed a fraudulently opened account with a credit union with a very large negative balance. I am still waiting for a report from XXXX to see what that has in it.

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
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: BHFC Financial Services INC
State: AZ

Complaint narrative:
My lender both had an agent impersonate a law enforcement official, and indicate i was going to be charged with a crime. A BHFC Financial representitive posed as a XXXX PD detective who then called me, my parents, and friends, explaining how I was wanted for a crime, and that I would be arrested for not paying my car payment. When asked for information on the crime, a badge number, or any official information, the agent folded and hung up on my family. I have messages recorded verifying the false representation of law enforcement, and also about saying I was going to be arrested.

Company response to consumer: Closed
Consumer complaint received 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
chex systems has account or file on me and I also reporting that some one used my information they never take off I can not use bank account to put my goverment chexevery mouth

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
Ca n't cash IRS refund check at any store, i.e. XXXX or XXXX. Contacted Certegy and it was useless. Said it was risk factors set up in the software. Now have no idea what to do. How is it possible that there is a risk factor in cashing an IRS check?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Provided documents to chexsystems to give notice that this name has a common law copy right notice, aswell as a Notice of Intent Fee Schedule and Ucc Financing statement to show that said property belongs to a secured party. Chexsystems has blatantly disregarded these documents and continue to report negatively within their reporting system and making this public information to other financial institutions.

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 2016-12-25 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Refusing to cash check. 

Certegy reason XXXX Can not find clarification on the issue non existent. No way to correct this.

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 2016-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK FUNDING, L.P.
State: PA

Complaint narrative:
We own an older home that is fairly small for a family of XXXX. We started working with a mortgage brokerage, Network Funding, XX/XX/2016 to apply for a XXXX loan. We went back and forth a bit, truly starting the process XX/XX/2016. The broker we were working with would ask for information and documents with no explanation as to what was going on. When asking when we were closing, not date or time frame was ever given - only a response that we were waiting on more items. There was a lot of confusion between the broker and our contractor on the documents that were needed, resulting in long delays in the documentation that needed to be completed to continue to the next step in the mortgage process. The same type of lack of communication was occurring with the broker and us. On XX/XX/XXXX, I spent a solid hour discussing details with the mortgage broker to clarify our background information. He stated we would need to sign letters of explanation. After discussing all of this with him, he sent us the letters of explanation with absolutely none of the details accurate ( I basically had to re-write the letters of explanation - he also sent us the same letter of explanation again later in the process, the one that he originally sent without my corrections ). The HUD consultant completed his report on XX/XX/2016. On XX/XX/XXXX we were given the clear to close on Monday, XX/XX/XXXX at XXXX. We received a call from the notary on Monday afternoon to confirm closing. Monday evening, we received a call from the broker stating that we were not able to close because he did n't have the tax information needed to close. So closing was rescheduled for Tuesday, XX/XX/XXXX, XXXX. At XXXX, the broker calls us and tells us that we need {$16000.00} to close because of the HUD consultant 's report. The {$16000.00} dollars would have put us at XXXX % of our appraised value for the mortgage. Given the complete lack of communication and the frustration that we had with this broker, we had some heated conversations. I sent an email in the morning of XX/XX/XXXX stating that I did not want any vague XXXX answers to what was needed - I wanted an itemized list of anything outstanding and a solid date on when closing would be scheduled. He stated ( in email ) that he would take this latest outburst in stride but that he would not tolerate another one. The complete lack of customer service is appalling. Not only do we feel that this company and this broker are taking part in predatory lending, but I also feel that they have absolutely no customer service skills at all. We made initial contact with this company in XX/XX/XXXX. It is now XX/XX/XXXX and we still have no date for closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Collection Technology Incorporated
State: IL

Complaint narrative:
I have recently had a wage garnishment put in place. I have lived at same residence for 10years and never received any documentation. I have been trying to work with Collection Technology Inc and they have been extremely rude and very difficult to deal with not returning phone calls not sending paper work, etc and so on!! I know that it is there job to collect debt but I do n't believe I owe as much as they say and I was pretty much told that is what told that is what total is and that is that! Just called them XXXX/XXXX/15 @ XXXX central time, was told we are in a meeting we will call you back and hung up on! Not sure who their CEO knows within the Department of Education for them to be able to buy this debt and then immediately start garnishment and withholding tax money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwestern Health Management INC
State: KS

Complaint narrative:
This is on my credit and I did not make this debt. My Id and other info was stolen about the time this debt was made. I do n't drive and no one would have took me this far away to a hospital.

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