vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Hello : I am contacting you with a copy of my email ( phone calls also made ) to my home loan service company XXXX Mortgage Servicing who has recently corrupted my class action law suit modified home loan agreement after taking it over from XXXX who got my loan from XXXX XXXX XXXX. My loan was modified per the settlement and up to date payment wise since XX/XX/XXXX and now suddenly this new company has altered my loan agreement by adding a self serving insurance product ( PMI ) funneling funds from my property tax escrow account set in up my loan payment agreement just for property tax. This unauthorized or advised PMI ( Property Mortgage Insurance ) product they 've added is causing a negative balance and disrupting the allocation of my online loan payments to this company and loan. I read that the practice is called loan padding and is rampant as of late even after the XX/XX/XXXX passing of the homeowners protection act. Can you please advise or assist me in seeking the right course of action as I am being run around by the company and building a negative balance even with making still my regular agreed payments. 

SincerelyXXXX XXXX XXXX XXXX XXXX, Florida XXXX : I called in and spoke to your customer service representative XXXX XXXX a week ago as well emailed you regarding the PMI mortgage insurance just added to my loan payment which your representative confirmed was an error since it was never part of my loan agreement and was never authorized. I advised I needed this corrected as its obstructing my mortgage agreement and payments and being taken out of my property tax escrow account. I had to make my regular monthly payment for XXXX made on XXXX XXXX online using the principal and escrow tabs as the scheduled total payment tab was still reflecting the erroneous amount. Now!! It looks like the monies where incorrectly disbursed, your still showing payment due for XXXX and I see monies from my property tax being scheduled for a premium payment disbursement to the unauthorized PMI insurance!! I am making screen shots should this not be resolved and I having to contact the district attorney 's office and legal representation along with the copies of my loan agreement which has NEVER had the PMI as part of it. I need your error corrected and my XXXX payment applied as per my agreement correctly. 

Loan:XXXXXXXX XXXX XXXX XXXX XXXX , Florida XXXX

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 2016-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK
State: NY

Complaint narrative:
I had a mortgage on a Coop apartment with Astoria Bank and as a result Astoria Bank was holding the Proprietary Lease and Stock Certificate. Upon selling the Coop apartment, Astoria Bank informed us that they had lost the Proprietary Lease and Stock Certificate and sent us an " Affadavit of Lost Assignment Assumption and Consent to Transfer of Proprietary Lease. '' As a result of Astoria Bank losing the Proprietary Lease and Stock Certificate, I had to obtain a new Proprietary Lease and Stock Certificate which cost us {$800.00}. As explained to us by Astoria Bank 's representative at the closing and in Astoria Bank 's own affidavit Astoria Bank is obligated to reimburse us the {$800.00}, which it still has n't done despite my best efforts through constant letters, faxes, emails, and telephone calls. In Astoria Bank 's own affidavit they state " the Bank was the last holder '' and " the Bank shall indemnify and hold harmless XXXX. '' This issue has been outstanding since XXXX of XXXX and today is XXXX XXXX, XXXX, so this simple matter has been unresolved by Astoria Bank for over 10 months. Astoria Bank has been unresponsive to my frequent contact over the past 10 months and they have n't been able to put me in contact with anyone who can help resolve the matter. I 've requested to be put in contact with Astoria Bank 's research department that is researching the matter, their Compliance department and their Ethics hotline but my calls never make it past Customer Service and they tell me that I ca n't reach any of those departments directly to resolve the matter. From my perspective the issue is easy and straight-forward. Astoria Bank was holding documents that they were responsible for and lost them and now they should reimburse for the replacement of those documents. This is all spelled out in Astoria Bank 's own " Affadavit of Lost Assignment Assumption and Consent to Transfer of Proprietary Lease, '' which was issued and signed by Astoria Bank. In addition to sending Astoria Bank their own affidavit stating the facts, I also sent Astoria Bank the paid invoice that I received for the new documents, as well as a copy of the check used for payment. I do not understand why Astoria Bank has continued to drag its feet in resolving the simple matter for so long and why Astoria Bank makes it so challenging to get help on the matter. I suspect that they 're hoping that I grow weary and give up on the matter so that they avoid the reimbursement and steal my {$800.00}. This is not right and it is unethical and Astoria Bank should be reviewed and punished for how it handles this and similar complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PMAB,LLC
State: NC

Complaint narrative:
XXXX/XXXX/15 Medical visit should have been covered by insurance. After months of failed attempts to get doctors office to refile insurance claim, I decided to pay the bill. Check cleared my bank on XXXX/XXXX/2015 & they have now sent this debt over to XXXX Collections. XXXX advised I go back to medical provider ( the same ones who have done ABSOLUTELY nothing to assist me ) in regards to debt, even though the collections letter states to call the XXXX number if there is a dispute in validity. I offered to fax/email and requested info, & XXXX with XXXX would not accept & was of no assistance. I have now called & left a message with XXXX XXXX XXXX billing XXXX & left message complaining of this collection action & requesting contact with supervisor ; awaiting reply. I expect no help from this company in regards to resolution so I wanted to go ahead & start complaint process against the medical provider & the collections co.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
ShellPoint LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX In XXXX 2015 the homeowners filed a Chapter XXXX bankruptcy. The lender told them they had to move out since they do n't own the property any more. Therefore the homeowners moved out. The lender proceeded to not foreclose on the property, and instead it has been sitting as a zombie foreclosure for the last year. In addition, the HOA has continued to accrue for the last year, unbeknownst to the consumer. 

The lender then sent a letter to the consumer requesting they market the property and move forward with a short sale. Therefore, the consumer proceeded to hire a real estate agent, market the property, and procure a buyer. 

Now, however, the lender is now refusing to do a workout of any kind, even though they know the mortgage is upside down. They have further endangered the consumer who is no longer allowed to live in the property by accruing debt ( in the consumer 's name ) with the HOA Company. 


The lender has shown cruel treatment to the consumer in every action they have taken : 1. ShellPoint forced the homeowner out of their home 2. ShellPoint forced debt onto the consumer for a property they were prohibited from enjoying 3. ShellPoint lied when they sent out a letter regarding the consumers options that they had no intention of giving them When is this going to stop?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint is acting in bad faith regarding a real estate transaction and in violation CA Homeowner Bill of Rights by denying borrower their legal right to short sale and illegally inflating the value of borrower 's property while disregarding known issues about unpermitted construction on property. Shellpoint has been advised about unpermitted additions done on this property yet they are refusing to acknowledge these facts and allot for the monies needed to correct this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: North American Credit Services
State: FL

Complaint narrative:
XXXX bills filed through this company for medical bills. Both have been paid off but my credit report does n't reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Hameroff Law Group, P.C.
State: AZ

Complaint narrative:
I had a car financed with a friend, we were behind on making payments, but we were nearly caught up when XXXX XXXX XXXX decided to repo the vehicle. They neglected to tell us we still owed on the vehicle, this was back in 2012. This year XXXX has filed a complaint with the courts ( lawsuit ) back in XX/XX/XXXX they initiated contact at my work, they were asked not to contact me there anymore, they said I failed to the court proceeding and I did but incorrectly, they decided to send the letter to my job, my store manager was furious since we already told them not to contact me there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation
State: CA

Complaint narrative:
First Data was my merchant processor up until XX/XX/XXXX I submitted a request to close XXXX accounts, which were supposed to close on that date however a mistake was made on their end and XXXX of my XXXX accounts were left open. The account numbers which were left open are XXXX and XXXX. The account that was closed ends in XXXX ( I dont have the full account number but I can get it. ) Over the course of the last XXXX years my bank accounts have been ach debited {$66.00} and {$76.00} per month for service that has not been provided to me. I have NO activity in my merchant processing with First Data since they are not my merchant processor and have not been since XX/XX/XXXX. These charges went unnoticed for a number of reasons 1. The wording in the statement is misleading because First Data uses the word " Deposit '' ( read below ) leading me to think its a deposit going into my account without looking at the actual charge which is my mistake. 2. I have so much activity on my account on a daily basis I simply overlooked that these were fees. 
XX/XX/XXXX EMPS DEPOSIT XXXX MY I PHONE REPAIR {$76.00} I contacted First Data at XXXX and talked to XXXX at extention XXXX who politely explained there was not much he could do other than a XXXX month refund per account. There was no supervisor above him that he allowed me to talk to and gave no reason why they can not refund me for these XXXX years of fees except to say that there are no notes in the system that I wanted the accounts closed. He also mentioned that First Data was working on a system to check if an account is in active for a certain period of time and if so then to disable it - would have been nice to have this system in place - instead I have been charged over {$3500.00} in fees for a company/service that I do not use. 
I contacted First Data and explained the situat

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 2015-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
SHELLPOINT MORTGAGE - RIDICULOUS ESCROW AMOUNTWe recently purchased a new home and used a loan officer. He basically went to several banks to see where we could get the best interest rate, etc. Ultimately the mortgage is with ShellPoint Mortgage. Since day one they are charging us a ridiculous amount for an escrow payment. We, my husband, myself and our loan officer called them XXXX/XXXX/2015 and requested an escrow analysis be done. It is now XXXX XXXX, 2015 and every time I call they tell me they will get it to their supervisor to process today. Never happens! I have called almost every week and get told the same thing. Please help.

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 2016-04-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I have asked Shellpoint to forward my Mortgage note four times to XXXX XXXX and they have lied all four times. They impleading my refinancing to lower interest loan. I have three way calling recorded of their lies. And because of their using this by standing in the way stalling I could lose the refinancing to lower payments. Its not fair.

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 2017-03-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Complaint XXXX of XXXX Shellpoint Mortgage. 
On this loan I did get behind but on XX/XX/2016 I made a payment of {$2500.00}. At that time I believe that paid it current. I was told there could be some additional foreclosure costs due. However a couple of months later I received no correspondence. I called and discovered Shellpoint began foreclosing on the property. Apparently they put the payment in a suspended\partialpayment account where it has remained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Ive received my XXXX communication from Credence Resource Management LLC for an XXXX debt that is not mine. The person owing the debt is someone with the same name as my maiden name, which I havent used in 30 years. I contacted the hospital and ambulance company and found out the person they transported was at a XXXX in XXXX, Ca ( where I 've never stayed ), and they were the ones that were kind enough to tell me the XXXX XXXX that was picked up in an ambulance, showed ID saying she was from XXXX, XXXX. so this is why I believe the person the collection company is after lives in XXXX, and I even gave them an address I found online. The Collection company sent another letter and I again called and they promised they had now erased my contact address from their files and Id receive no further communications ( XXXX/XXXX/15 ). Yesterday I recd another communication! I have superb credit and full medical coverage as Im a State of California Finance Officer. I want this company to remove my miaden name and address from their files and stop trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 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: Linebarger Goggan Blair & Sampson LLP
State: GA

Complaint narrative:
Today, XXXX XXXX, XXXX I received in the mail from the XXXX of XXXX an attempt to collect XXXX parking tickets debts from XXXX years ago, on the date of 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 2016-02-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
We were coerced into financial ruin by several mortgage companies that our loan has been passed too in order to cover their wrong doing. We have been trying to negotiate a modification that has been used to entice us to leave a successful chapter XXXX, we have an attorney that has been diligently persuing this modification. With no success being brushed aside casually with a statement that they are not authorized to negotiate. Further they refused to provide proof that they are current holder of our note. We have also pursued this thru Congressman XXXX XXXX office. Their response to the congressmen office was entirely different than to us of which they will not respond too. All we want is what is fair and what they agreed to do when they accepted the XXXX XXXX in TARP money to provide loan modification to home owners who qualify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
Credit Control , LLC committed several violations. When they first contacted my husband and I by phone I was not aware of who they were and what debt they were trying to collect. The person who called informed us that they were collecting a debt on behalf of XXXX XXXX. We informed them that we were n't aware of Credit Control , LLC on my credit report. I was transfered to a supervisor who informed me that they were collection a debt for XXXX XXXX. We informed him that the only XXXX XXXX collection that we are aware of was with XXXX XXXX XXXX and that I sent a letter requesting Validation and a written cease of communication notice and have yet to hear in writing from XXXX XXXX XXXX in regards to verification. We were then informed that Credit Control , LLC. is working on behalf of XXXX XXXX XXXX to collect a debt on their behalf. I asked again are you collecting for XXXX XXXX or The Bureaus? He said the XXXX XXXX, We were confused as to why they were saying they were collecting for XXXX XXXX as if they represented XXXX XXXX and did n't mention The XXXX XXXX until we informed them about my request for Validation and Verification to that debt and written cease of communications. Credit Control LLC is falsely claiming they represent the original creditor when in fact they represent The XXXX XXXX which is not the original creditor. They contacted by phone on behalf of XXXX XXXX XXXX when the XXXX was issued a written cease of communication notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
Credit Control. LLC at XXXX calls constantly to collect a debt from someone Ido not know.

Company response to consumer: Closed
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Global Credit & Collection Corporation
State: TX

Complaint narrative:
I am getting calls from a company named XXXX. They call me all day every day while I am working. They also yell and me and are rude. They never state their information such as where they are located or business information. The number they are calling me from is XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-08-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: First Data Corporation
State: GA

Complaint narrative:
I purchased an item online from XXXX XXXX XXXX ( XXXX ), but they did not ship the item. When I contacted them they refused to provide a refund. I contacted my debit card issuer ( XXXX ) and all I have gotten is the runaround, no provisional credit, nothing.

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 2015-09-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: MI

Complaint narrative:
Dear CFPB Representative, Yesterday I went to write a check in my local supermarket ( XXXX ) and had Telecheck refuse to process the check from my personal XXXX XXXX XXXX. The acct. has been open for more than 12 years! Upon arriving home they stated that the checking acct. was new? So, they had to build a history on it. Once that was done I could proceed to use it in the same supermarket. It was declined again. On the FTC site it indicates this company has legal action against it for similar issues. The Telecheck personnel seems not to provide proper information for the check being declined. Denial record # XXXX. 
Check amount {$57.00}. Date XX/XX/2015. Ck # XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX TEL # XXXX ID # XXXX I NEED SOMEONE TO INVESTIGATE THIS INCIDENT PLEASE-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 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: Collection Bureau of America Ltd.
State: MS

Complaint narrative:
CBA Collections is attempting to collect on a debt that is not owed. The debt is also past the SOL in the State of Mississippi. Cease and Desist letter was sent and CBA Collections continues to contact me. 
I 'm filing a lawsuit in Small Claims Court against the Company.

Company response to consumer: Closed
Consumer complaint received 2017-01-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
This company is refusing to work with my other than over the phone. I have asked for emails or mail to be sent to my home for payment options. They are telling me that I have to call in. I am busy all day and attend meetings. I do not have time to call. It 's ridiculous that they would n't give me options. This is unfair as I am trying to resolve my account. Please help me.

Company response to consumer: Closed