vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-10 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: CA

Complaint narrative:
XX/XX/XXXX I submitted a letter to XXXX XXXX to cancel my alarm service. Shortly thereafter my account with XXXX was turned over to Credit management , LP for collection. 
XX/XX/XXXX I submitted a letter to Credit Management , LP disputing the collections due to the fact that XXXX did not disclose that the contract was automatically extended when I moved the service from one residence to another residence. 
I received a statement XXXX dated XX/XX/XXXX which reflected my account was at a zero balance. 
I recently discovered that Credit Management , LP collections had not been removed from my credit report. 
XX/XX/XXXX I sent another letter with supporting documentation requesting that the collection status be removed from my credit report. 
XX/XX/XXXX I received a call from XXXX a representative XXXX who confirmed that I did not owe {$310.00} that 's in collections. 
XX/XX/XXXX I spoke with XXXX XXXX at Credit Management and explained that I had confirmation in writing that the collections was not owed. XXXX insisted that the amount was still owing. I requested that the collection be removed from my credit report, and she stated that they could not remove it and that I would have to go back to XXXX and request they contact Credit Management to remove the collections. 
So I call XXXX and spoke with XXXX in the Executive Reponse Team explain to him that I had spoken with XXXX at XXXX and then with XXXX at Credit management. XXXX confirms that I do not owe the {$310.00} that is in collections. He also states that XXXX has not done business with Credit Management in years. XXXX requested that I send him a copy of my credit report so he can confirm the collections is on behalf of XXXX. 
I pulled a credit report from XXXX XXXX and faxed to him with a letter dated XX/XX/XXXX and a copy of the credit report that reflected the collections. 
The credit report page I sent was page 11 out of 13 pages. Credit Management is clearly listed on the report and remarks noted on the credit report states that dispute is resolved, customer disagrees. 

When I last spoke with XXXX in XXXX, he had contacted me via phone and requested that I send him the complete credit report. I refused to do so, because I felt the information that I had sent him previously was sufficient enough. Besides, my credit report I feel is sensitive information. 
At this time, I have been getting the run around from both XXXX and Credit Management, in regards to this matter.

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 2016-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This account does not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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: OH

Complaint narrative:
I have had XXXX service for the last XXXX years. I had an account at a previous address that was current and active, and I transferred my service to a different address when we moved. I was then told I had a previous balance from a different address of {$66.00}. You are unable to get any service at a new address with a previous balance, which means there should have been no balance as I already had an account. I never received notification of any debt or my right to dispute the debt although they had my current address. I am disputing I owe anything to XXXX, as I still have their service currently.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I am over paying my mortgage each month. Loan servicer is not applying my over payment toward principle, but rather holding it in a separate non interest bearing account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I originally bought this house through XXXX, which was sold to XXXX XXXX XXXX. Now it is owned by Shellpoint mortgage. On or about XX/XX/2015 I called shellpoint mortgage to tell them I had just gotten out of XXXX, and was 3 months late on mortgage payments. I asked if they could tack it onto the end of the loan because I had no way of catching up on the 3 months due to my XXXX and the recent divorce. They told me I could do a loan modification. After about 10 months of working on this loan modification, I started getting getting threating letters from shellpoint and contacted my congresswoman XXXX XXXX. After getting a person from XXXX ( XXXX XXXX ) to call shellpoint, she got it under control again and we were going to do the loan mod with another person at shellpoint. I was happy to get another person. XXXX XXXX took over the loan modification, after about a month of sending in all the paperwork in for the umteenth time, she said it was all there and off to the underwriters for a decision, she said it will take approximately 30 days. I left messages for XXXX XXXX for 3 weeks every day to have her call me, she would not call me. I told XXXX XXXX that I would not deal with anyone but her, so everyone but her called me everyday, and everyday they called I told them to let me talk to the loan modification officer XXXX XXXX. Since that time shellpoint will not accept money from me and they will be trying to foreclose on me and that was almost 3 months ago when the loan modification should have been approved or denied. 
Friday I was sent a letter from shellpoint that says " notice of default and intent to accelerate '' To top all this off they are asking for all monies to be paid in full, well I still do not have the 3 months that I was behind, but I still have the money they have been sending back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
I continue to receive calls from a company called Credit Control LLC which is claiming that I owe a debt, but on these calls Credit Control LLC wont say who the debt is from or what the debt is for. These calls started early this year and have continued to occur every other month. I have received no information in writing from the company. 

Furthermore, they are asking for personal identity information on their voicemail so I am concerned this is some type of identity theft scam. 

In reviewing my credit reports and contacting lenders/creditors, I have no record of any debts due or overdue, and no information from this company about what debt is due or what this is for. No adverse effect is noted in my credit reports or credit score so I am not sure what specifically they want, but the calls are becoming more harassing and frequent. Since I have received no written correspondence from the company or any creditor, I am concerned they are trying to scam me out of money or personal information.

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 2015-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ASTORIA BANK
State: NY

Complaint narrative:
MY BANK RECORDS FROM ASTORIA BANK WERE RELEASED TO AN ATTORNEY WITHOUT ANY SUBPEONA OR LETTER SEND TO ME REGUARDING RELAESE AND THEY HAVE NO RECORD OF ANY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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: Rent Recover, LLC
State: PA

Complaint narrative:
All of the above categories apply. This company, XXXX XXXX, contacted my husband XXXX XXXX on XXXX XXXX, XX/XX/2014. The representatives name was XXXX XXXX. She did not state that this was an attempt to collect and a debt nor did she verify she was actually speaking with the proper person. He told her to speak to me and handed me the phone. Again she did not inform me that this was an attempt to collect a debt, or that the call may be monitored or recorded for quality assurance, etc. She stated my husband owed almost {$4000.00} for damages to XXXX housing that we had moved out of over 9 months prior. When I asked for documentations of charges, she had another person, XXXX XXXX, email me our move out check list ( which I already had and does not state this amount ) as well as something handwritten on hotel stationary. When I called her back and told her that this was not acceptable, she stated that she did n't have to provide us with anything else and she would pursue legal action. She was incredibly rude and hung up on me. I faxed over documentation from the XXXX housing 's maintenance department that showed consistent contact between myself and maintenance to have my carpet fixed due to error on the maintenance workers part. We stopped hearing from this company after that until yesterday, XXXX XXXX. Within 2 hours, the same representative, XXXX XXXX, called both my husband and my cell phones XXXX times. The XXXX time I answered she did not verify my identity or tell me it was an attempt to collect a debt and started out by stating she never received our carpet documentation and my husband needs to settle this account. She stated that we signed the lease ( I was nowhere on this lease due to the fact that it was XXXX housing ) but told her I had a copy of that and the move-out inspection which shows different than whatever documentation she has. Again she refused to provide us with any documentation of this alleged debt and I told her I knew my rights as a consumer. She hung up on me. An hour later she called back and said " XXXX and once again hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
I owe a past due to XXXX and the credit collector, Credit Management, calls me 2 to three times a day. They r calling my cell number and never have verified if I am the correct person they seek.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I originally applied for loan modification, but was denied, then I agreed to a repayment plan and the rep ( XXXX XXXX ) who is RM on file and he said he would get the repayment plan approved by his manager and get back to me. 20 days later still have not heard from him, I called several times left message and other reps in the department said he would have to help me, then took his manager number who is XXXX XXXX, left her message and still havent heard back. They are very unprofessional, my loan is in foreclosure accruing more fees everyday but yet no one cares to return my call and help me get out of deafult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX2016 I filed FTC Report Number # regarding identity theft for being billed and paying medical debts that i do not owe under my married name. Here I am having this issue again under my maiden name. This fraudlent billing seems to follow where every my step son lives,. First, in XXXX and now this bill is coming out of XXXX. He just left XXXX. I believe there is some type of connection. I followed the FTC recommendations for identity theft to prevent any further issues. I just received 2 bills in the mail today for the same amount with different billing numbers basically for the same ambulance company. The bill that was generated by this collection company changed the name of the ambulance service some. I do not owe anyone any money that I am aware.

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 2016-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Convergys
State: PA

Complaint narrative:
Encore is repeatedly calling my work. I have included a log of the calls received just in the last few days, I deleted the others. 

ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 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 2016-11-16 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Solutions Group, LLC
State: CA

Complaint narrative:
I am an accountant for XXXX XXXX XXXX XXXX, the president is XXXX XXXX. They owe money to XXXX/Recovery Solutions Group LLC./ XXXX, a gentlemen by the name of XXXX XXXX have been harassing my client with phones calls. He calls her cell and her business all the time too early or too late. He called her landlord, and he called my office. I spoke with him once and I asked him to please not to call my office any more. I explained to him that I was the accountant, but I do not pay their bills. At that conversation, he claims that I called him, and that I left a message threatening to harm him. I told him that I did call him nor left a message, and that I am a XXXX, that I do not threaten people. He said what being XXXX does not mean anything, at the end of the conversation he told me to pay my bills. 
I told him that if he calls back my office. I was going to record the conversation, and I was going to file a report against him. He called back again and keeps on calling. 
This morning I was listening to my messages, and I noticed the he called twice the last time was on XXXX XXXX, XXXX at XXXX am. He calls and plays a message that was left to him. The message was left to him, my XXXX on my employees who claimed to be me. I did not authorize the phone call and I was not aware of the message until this morning today XXXX/XXXX/XXXX at XXXX XXXX 
The message is asking him to stop harassing our client and to stop calling her, the landlord and our office, that if he did not stop calling that our client was going to take legal action. In the message there is a part that says that " her medical records are going to be more expensive for you '' I guess it was meant that she is getting sick by his harassment, and that she will charge him for the medical bills. However, also it may be interpreted that his medical bills may be more expensive, the word " her '' if taken off could me misinterpreted. I saved the recorded message that he keeps on playing when he calls my office. 
I really do not see the reason why XXXX XXXX keeps on calling my office and keeps on leaving the recorded message into my voice mail ; I do not see the point of harassing me. I have many clients I never had a situation like this before. 
Here I am attaching emails that I have received. 
I want this company to be fully investigated for the harassment that he is doing to my business. I am not part of any actions that they may have against my client, I do not owe them any money.

Company response to consumer: Closed
Consumer complaint received 2015-08-29 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: Rent Recover, LLC
State: OH

Complaint narrative:
I am very upset to find a collection item on my credit report for a debt I never owed ... 
My application for a credit card could not be approved due to a " derogatory public record or collection filed. '' Knowing I have always payed my bills on time, I immediately requested a copy of my credit report, and was shocked to see an item from " Rent Recover LLC '' collecting {$130.00} on behalf of " XXXX. '' It says collection as of XXXX 2015 to XXXX 2015. My husband and I moved out of XXXX back in summer 2014, amicably, with all rent paid and unit thoroughly cleaned. We never received any further communications from XXXX XXXX. Our new apartment complex has even told us that XXXX XXXX reports our account as paid in full. So why is " Rent Recover LLC '' reporting to the credit agencies, having never tried to collect from us, and for a company who never tried to/has no reason to collect from us?! 

How do we best proceed to get this off our credit reports? 

As XXXX working people with great income, {$130.00} would be no skin off our backs ( would have easily paid if we ever received a bill from/actually owed {$130.00} to XXXX XXXX! ) But with how the credit reporting works, we 're afraid that paying the {$130.00} to collections now, just because we happened to pull our credit report, will only 'validate ' this illegitimate 'delinquency ' and keep it on our credit report for years!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have for the last five months asking for validation that the following accounts XXXX # XXXX, US BKPT CT TX XXXX # XXXX, US BKPT CT XXXX XXXX XXXX, and US BKPT CT TX XXXX # XXXX from Experian, I have not received the information that I requested. I would like the name of persons that the credit bureau used to validate these accounts, instead they send letters saying that they are correct, but they are not correct and I would like them to remove them immediately or will be forced to file lawsuit against Experian under the Fair Credit Reporting Act for removal and up to {$1000.00} for each violation.

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 2015-11-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
A mortgage servicing is inaccurately reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy

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 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I had an overdrawn account at XXXX XXXX XXXX. Due to a long hospitalization from a XXXX, my account went over. I was able to pay the overdraft amount including penalties totaling {$170.00}. Now in order to open another account I have to wait 7 years or pay Chexsystems {$380.00}. I think this is unfair. I paid the overdraft amount plus all fees. And now I have to pay double just to open a bank account.

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 2016-07-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Northland Group Inc
State: SC

Complaint narrative:
I received a letter from Northland Group Inc., dated XXXX XXXX, 2016, demanding payment on a loan assigned to them by XXXX for collection of {$23000.00}. However, the same loan was previously assigned to XXXX XXXX XXXX, which agreed to cease and desist on this account, via attached letter dated XXXX XXXX, 2016, since apparently, they could not verify the loan as being mine. I do n't understand why XXXX has reassigned the loan to Northland despite the previous collection agency not being able to disprove my claim that I do not owe this loan. I have not borrowed money from XXXX XXXX XXXX services and thus request CFPB to please compel XXXX and Northland to desist collection on this account from me.

Company response to consumer: Closed with non-monetary relief