vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX transferred the servicing of my mortgage loan to Shellpoint Mortgage Servicing, a division of New Penn Financial, LLC on XXXX XXXX, 2016. ( Exhibit A ) At that time, my mortgage was delinquent and XXXX XXXX XXXX had approved a six month forbearance on XXXX XXXX, 2016. ( Exhibit B ) Per statement balance from XXXX XXXX XXXX dated XXXX XXXX, 2016, my delinquent balance amount was {$6400.00}. ( Exhibit C ) On XXXX XXXX, 2016, I made a payment by check of {$3400.00} to a XXXX XXXX XXXX branch location in XXXX XXXX, Maryland. ( Exhibit D ) This should have taken my delinquent balance down to {$3000.00}. I received a mortgage statement from Shellpoint Mortgage with first payment due for XXXX XXXX, 2016 in the amount of {$1300.00}. ( Exhibit E ) I contacted Shellpoint Mortgage on XXXX XXXX, 2016 to notify them of a my payment that I made to XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX, he informed me that my total past due amount is {$6400.00}. I told him I did n't understand why it is that much. He explained there is {$2500.00} of fees and charges accrued over the years of having the loan. He told me to email escalations. I sent an email to escalations on XXXX XXXX, 2016 ( Exhibit F ) and another email on XXXX XXXX, 2016. ( Exhibit G ) I received a letter dated XXXX XXXX, 2016 in response to my emails. This letter shows a balance of {$7800.00}. They state in the letter that {$2500.00} are corporate advances. ( Exhibit H ) I have a statement dated XXXX XXXX, 2016 with a past due balance of {$7800.00} ( Exhibit I ) and a statement dated XXXX XXXX, 2016 with a balance of {$4300.00}. ( Exhibit J ) I made a payment of {$1300.00} on XXXX XXXX, 2016 ( Exhibit K XXXX On XXXX XXXX, 2016, I called Shellpoint customer service and spoke with XXXX XXXX and XXXX XXXX, they stated my current balance due is {$6400.00}, delinquent for three payments. My monthly payment is {$1300.00}, which adds up to {$3900.00}. I do n't understand what is happening to my mortgage account. I fear that this transfer of mortgage servicing is going to cause me to lose my home due to errors in financial computing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC
State: CO

Complaint narrative:
I am being sent to collections for XXXX for a purchase I never made and a credit card was takin out apparently in my name with out my permission.

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 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
HOW DO COMPANIES MIX UP PEOPLE AND CLAIM THAT AN ACCOUNT IS YOURS WHEN I KNOW I HAVE NEVER HAD AN ACCOUNT WITH THE COMPANY THAT THEY ARE TALKING ABOUT. THIS IS NOT MY DEBT AND I NEED THEM TO LEAVE ME ALONE!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PMAB,LLC
State: VA

Complaint narrative:
I was billed on XXXX/XXXX/15 for the ER doc who saw my son XX/XX/XXXX. The initial insurance payment left me owing a balance of {$520.00}. After talking with the insurance carrier - XXXX at the end of XXXX, the insurance company reprocessed the bill, because it was initially coded wrong, and the entire bill should have been covered. I let the ER physicians billing office know and they said they would put a hold on the bill and indicate it was being reprocessed. I got a collection letter XX/XX/XXXX for the {$520.00}. After calling my insurance, I learned they paid the full amount on XX/XX/XXXX electronically and it cleared with bank on XX/XX/XXXX. The ER doc 's office ca n't find a record of this, but I have the EOB and the draft number of the cleared insurance payment. They wo n't communicate with the collection agency to let them know it is being researched. I 've called the collection agency. I 've been told that the {$520.00} was my " deductible ''. This is n't true. I have also provided them with a copy of the EOB. I continue to get calls from the collection agency, despite providing proof to payment to the ER physicians via the EOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PMAB,LLC
State: NC

Complaint narrative:
this acct is fraudulent and is a result frim identity theft and the company is reporting this to the credit bureaus as well as has an oppen acct that needs to be closed with thier company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PulteGroup, Inc.
State: IN

Complaint narrative:
I was asked to close on the house when there was still an outstanding issue with outside bricks. There were too many chipped brick installed. A stain was used to match the chipped bricks which made things more worse. I was told that they would take care of the issue after closing. It 's been over two months after closing and the issue has not been resolved. Now, they have told me they ca n't do anything about 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 2016-01-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
I called regarding a bill sent to me from a lawyers office. I gave my information when asked. I let the man who answered the phone know that I had already paid the bill and did not know why it was in collections. He told me to send proof and told me to have a good day.i said for him to wait and not hang up on me. He did any way. His name was XXXX. I called back to have XXXX answer the phone. I asked why he hung up on me when I was not finished talking to him. He told me the conversation was over. I told him that on his end but I asked him not to hang up on me. He asked what else he could do for me. I stated that I needed to know what they excepted for proof of payment. He stated he did n't know. I asked how he could not know if he wants me to prove it was paid? He continued to tell me he did n't know. He told me what ever I wanted to use. I asked to speak to his supervisor and agreed that the conversation was over with him. He told me the outcome was not going to be any different. I again informed him that our conversation was over and please give me his supervisor. He put me on hold and his supervisor came on the line. I did not catch his name. I asked the supervisor if he could tell me what forms of proof they excepted since XXXX as not trained right and could not tell me. The supervisor told me he too, did not know and it was up to me. I told him if they had no protocol and it was up to me, then how about a verbal statement. I then verbally told him I paid the bill and asked him if that was ok? The supervisor stated he was hanging up on me and did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
We received a trial modification from XXXX Mortgage in XX/XX/XXXX. We made all XXXX payments to XXXX on time. We received a letter from XXXX stating they were transferring our loan and if we did n't get the final modification before it transferred on XX/XX/XXXX our new investor would be sending it to us. Long Story short it has been since XX/XX/XXXX since we have been dealing with Shellpoint Mortgage and to this date we have not received anything from them except for foreclosure warnings and extra fees etc. from them. When I call they tell me to just ignore the, We have continued to make all our payments to Shellpoint everymonth Since XX/XX/XXXX without any statement etc. from them. I have ALL documentation from the lender including XXXX apology letters from them about this matter. I have asked assistance from the State of CT Banking Commission and a HUD Counselor. They have advised me to file a complaint with you as well. They have written and called Shellpoint for the last several months and the matter is still not resolved. This matter is very lengthy I have all letters going back from XX/XX/XXXX from we were approved for a modification, letter dated XX/XX/XXXX from XXXX regarding the transfer of our Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
In XXXX, I requested assistance from XXXX XXXX to modify my loan during a severe economic downturn. XXXX XXXX would only offer a 5 yr balloon option. I advised them at the time, that I was in the process of a short sale on my prior home and would not qualify to pay them off in 5 yrs. They stated that as long as I proved I had the ability to repay they would remodify after the 5 yr term. Fast forward to XXXX XXXX, I submitted for remod, XXXX sat on the file till XXXX XXXX, then sold the file to XXXX XXXX. I contacted XXXX XXXX and they said I had to wait for 60 days till they got the complete file then they would issue me a new remod package. I received that pkg in XXXX XXXX. Completed and resubmitted. They advised me in XXXX XXXX they would no longer accept pmts because the balloon came due in XXXX XXXX. I applied for assistance from the state in hope this would entice the lender to remod. The state said they would provide {$30000.00} but that they could not finalize unless the lender agreed to modify. XXXX did not respond for months but finally told me the investor would not extend the loan because they purchase the file on the secondary market as a fully maturing 5 yr balloon loan. I requested a reconsideration because this was a fraudulent transaction sale as this was sold to me as a balloon with the remod option at the end of 5 yrs. I did not hear back from them. Several months passed and I received notice that Shellpoint Mortgage was now servicing the loan. I requested for the mod pkg. provided all of the items and proof of income to support repayment. They said I cleared underwriting and were just waiting on the investor to determine which remod option was available. This took place in XXXX XXXX. XXXX XXXX they stated they needed 30 more days. I did not hear from them till XX/XX/XXXX. They declined the remod and gave the option to short sale or deed in lieu the home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: AL

Complaint narrative:
This is something that has already been negotiated an paid through a credit specialist and I have not opened anything with anyone in 2015 for that amount of money not paying XXXX twice this needs to be corrected!!!!!!!

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 2015-12-11 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: ERC
State: GA

Complaint narrative:
Reported a collection item on my credit for XXXX from 2014 ... I did not have XXXX service in 2014 and have not for at least 7 years. I believe I have disputed this before and gotten it removed but have not seen it in several years. Popped up again this month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Williams & Fudge, Inc
State: OH

Complaint narrative:
To whom it may concern, I have been dealing with being unfairly treated by a collections agency by the name of Williams & Fudge Inc. for 4 years now. They refuse to work with me on reasonable terms of repayment and I feel I can never get out of this hole. I dropped out of college after my sophomore year because I had an outstanding balance of over {$12.00}. My single mother and I could not afford to pay back the amount in full. Loans were denied to us left and right. So with a heavy heart I joined the workforce. Due to no degree I could only get entry level jobs like XXXX, XXXX, and XXXX industry. My balance defaulted and eventually went to collections Williams and Fudge Inc., now I owe over {$16000.00}. I ca n't go back to school unless this balance is paid in full. I am currently an XXXX serving on XXXX XXXX and I believe I have additional rights with dealing with this collections agency. I have dreams of becoming a XXXX and this debt is holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Excessive overdraft fees. I am only responsible for XXXX {$35.00} fees for purchase {$150.00} XXXX and atm withdrawl for {$43.00}. I was charged fees for XXXX other old purchases from XX/XX/XXXXXX/XX/XXXX The bank charge me overdraft after I overdrew paying XXXX and atm transactions on XX/XX/XXXX. Those XXXX XXXX, XXXX and XXXX were when my account was positive. When contacted I spoke with XXXX reps and a supervisor and none was able to resolve the issue and decided it was fair to charge XXXX for transactions that were not over my balance. XXXX input a {$35.00} rebate as a courtesy and her manager indicated I was responsible for all fees. When transfer to manager the manager disconnected call. When I call back the rep and supervisor could n't help me resolve and state I was ineligible for any rebates because I had one already. which was the XXXX XXXX input 10 minutes prior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-06 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: ERC
State: MA

Complaint narrative:
Received collection letter dated XXXX XXXX, 2016 stating unpaid balance of {$49.00} for alleged account with XXXX XXXX XXXX, XXXX. No account exists, nor has ever existed. Moreover, the municipality in which I reside has contract with XXXX XXXX, therefore impossible to have an outside account.

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 2016-12-06 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
This loan is illegal in Florida as they are not licensed in Florida, charged far above allowable interest in Florida as well as gave loans far above the allowable maximum of {$500.00}. I have since revoked my ACH ( too early to know if they will abide ). 

Also, I have advised them that the legal amount that could have been charged to my loan is the principal amount, even IF their Internet pay day loan were legal anywhere in the U.S.. I am willing to pay the principle amount of the loan only, however, this means I am entitled to a refund of any interest I paid on all loans with your company. This means all of the following loans from the past : For example : **For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$1000.00} and have paid {$580.00} to date. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$800.00} and have paid {$1200.00} to the loan, so you owe me {$450.00}. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$800.00} and have paid {$1000.00} to the loan, so you owe me {$200.00}. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$750.00} and have paid {$1000.00} to the loan, so you owe me {$260.00}. 

- for the loans from XXXX/XXXX/16 to today alone, you owe me {$500.00} back in overpaid interest ( what I overpaid in past loans less what I owe on the current loan ) t!!!!!! This does not include all principal for loans over {$500.00} ( as that is the maximum allowed in Florida )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank is overcharging its customer with overdrafts fees. Every time you transfer funds from your overdraft line of credit to your checking account to cover a draft, you must pay {$12.00} per transfer per occurrence, 18 % annual interest rate on outstanding balances and {$30.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 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: ERC
State: CA

Complaint narrative:
This debt is not mine and it 's affecting my credit how can I get this resolved and removed from my credit report..

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 2016-11-22 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: ERC
State: NY

Complaint narrative:
I Had an owed debt with XXXX which was sent to collections to Enhanced Recovery Company. I spoke with them and they offered me a settlement which I took and paid. All of this time it was not on my credit report at all whatsoever. After it was paid which they see on their system It was than reported to all three credit bureaus as a collection also as unpaid although it is paid. They are reporting false information on my report, I lost 43 points because of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
I took out a loan from Castle Payday, now XXXX XXXX XXXX. On XXXX/XXXX/16 I got approved for a loan for {$600.00}. It is my understanding that in Minnesota you have to be licensed to lend to residents. To date, I have paid {$330.00} in fees for a {$600.00} loan. I do not believe this company is legal to lend in Minnesota. They say they are governed by Tribal laws, but I do n't see how that can apply to someone who is n't living on the reservation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 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: ERC
State: CA

Complaint narrative:
Enhanced Recovery Corp. has bought a debt from XXXX XXXX. XXXX has reviewed my ID Theft Report and has seen I was a victim of Identity theft. XXXX XXXX. removed the account from my credit. Enhanced Recovery continues to report the account as mine

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 2016-06-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
I 've paid XXXX so far on a pay day loan, I requested XXXX XXXX/XXXX/16. I never received how much my interest rates would be and when I notice today that I was still making payments I did my research. My interest rate is 867.4001 % and to date I 've paid XXXX. I would have NEVER agreed to a loan with that outrages amount as interest rate. When I called I stated that i will be contacting a lawyer because that is illegal they stated I did not have to make anymore payments. What can i do to get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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: ERC
State: LA

Complaint narrative:
In XXXX I was a XXXX customer. I decided in XXXX to go with XXXX and ended the services with XXXX. I called XXXX and requested boxes to send their converter boxes to them. The boxes were delivered to me and I packed the converter boxes to be shipped back to XXXX. The representative that I spoke with in late XXXX stated that the boxes would be picked up after I packed them by XXXX. After speaking with her I realized that I had another question for the representative and called back. The next representative stated to me that the boxes were outdated and I could throw them away. I stated to her that I would not throw them away but send them back to XXXX. The representative stated that even if I sent the boxes back to XXXX, I would not be given credit because the boxes were outdated and I needed to just pay for them. I stated to the representative that I would send the boxes back and they could do whatever they needed to do with the boxes. 

It showed upon my credit report that I owed XXXX {$680.00}, I disputed this back in XXXX and it was removed from my credit report in XXXX. Now it is back on my credit report but with a different collection agency. I do not owe this debt, XXXX is trying to make me pay for their outdated boxes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-25 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: ERC
State: CA

Complaint narrative:
ENHANCHED RECOVERY CORPORATION XXXX SOLD ACCOCT TO THESE PEOPLE FOR CELL PHONE BILL I NEVER HAD XXXX I WAS A VICTIM OF IDENTITY THEFT IN 2011 THIS BILL IS FOR XXXX DOLLARS PLEASE HELP TAKE THIS OFF CREDIT REPORT

Company response to consumer: Closed with non-monetary relief