vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
While reviewing my XXXX, XXXX and XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by CAPITALONE AUTO FINANCE on XXXX/XXXX/2016. I did authorize any employee of CAPITALONE AUTO FINANCE to review my records for any purpose at any time. This inquiries are fraudulent and constitutes gross negligence on the part of the CAPITALONE in clear violation of my civil rights under FRCA and Privacy Rights. As a direct result I have continued to suffer discrimination and irreparable economic loss including but not limited to denial of meaningful employment.housing and /or obtain new credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I received a notice in the mail from on XXXX/XXXX/2016 from a collection agency. When I looked at the statement I noticed that it a medical collection. This is the first notice I receive from the debt collector. The notice did not look correct to me since I have been making payments to the original through my XXXX account. I reached out to the debt collector Credit Management and spoke to a woman by the name of XXXX XXXX. I explained to her my situation and she stated that they do not do research on the account and since they only receive updates every 3 months from the original creditor she could not do anything else for me to ensure my account is correct. She also stated that this had been adversely reported to my credit report and they only way this would get reported correctly is if I set payments with them. This is causing and emotional distress on me. This company and employee have acted unethically.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XXXX was offered a loan modification with a down payment of {$9300.00} from XXXX with a down payment. XXXX sent XXXX the check they cashed it and they never gave her the loan modification. Then she was transferred to another servicer and it has been an on going process of trying to get her loan modified as well as trying to find out what happened to the {$9300.00} and why did XXXX take her money and would not talk to her after they received her money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
Shellpoint mortgage incorrectly paid our taxes twice in XXXX of 2016, which in turn sent our escrow payment to double what it should be. We had to struggle to get the overpayment refunded to our account, that finally happened in XXXX 2016. Now they are not able to get the tax payment schedule figured out ( either paying taxes twice a year or once a year. ) In turn our escrow payment is still double what it should be, which is resulting in a much higher payment than we should have. After repeated phone calls since XXXX, there has been no solution. Our XXXX payment is still {$600.00} higher than it should be. XXXX admits there is a problem, but says that a third party handles taxes and escrow for them and is n't sure why this has not been resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 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: PA

Complaint narrative:
XXXX XXXX XXXX has been sending letters and calling me stating I did not return my cable box. I returned the box when service ended and obtained a receipt that I faxed over with my dispute to the original debt collector. This must have been sufficient as I did not hear from any other debt collectors for over a year. Within the past few months I started receiving letters in the mail from a different debt collection agency, so I assume the debt was just sold to a different agency to try and collect on a false debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10 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: FL

Complaint narrative:
Call from XXXX Linebarger, Goggan, Blair & Sampson, LLP stating that my mother owed {$130.00} in tolls in the XXXX area. My XXXX year old mother has been in XXXX for the past 2 years and has not driven for several years. Also, she has never been to 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 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX started reporting a collection that is outside the 7 year statute of limitations when they acquired it XX/XX/2015. I have disputed this on a couple of occasions now and have been ignored on my attempts. I have asked the bureaus to contact XXXX through and investigation and demand they provide all the documentation they should have to collect this according to the FDCPA. They have not done so and are illegally reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Premier Portfolio Group
State: IA

Complaint narrative:
I received a call at work on XXXX/XXXX/XXXX at approximately XXXX CST. The call was from a company called Premier Portfolio Group claiming that I owed a debt from XX/XX/XXXX. First, I did not recall the debt and was shocked to find out that I owed money to this company because I check my credit monthly. XXXX XXXX was the representative I spoke to initially. I started asking questions trying to validate that it was an actual company and not fraudulent. XXXX transferred me to XXXX. XXXX asked me how I could help her. I stated, I just need your business address to verify you are a legitimate company. XXXX stated it is not her company 's job to verify they are legitimate and I was to respond to the debt. I explained to her I do not recall the debt and if she could send me something that I could look at. She explained letters have already been sent and that I should have responded to them. I stated I did not recall receiving any letters from her company. She took down my email address and said she could send something now to my email address. I have not received paperwork at my email address. I asked her is n't she required to send written documentation after she has had contact with me. She said no and that if I do not response I will be taken to court and sued. I DONT EVEN KNOW WHAT THE DEBT IS??? She asked me if I am disputing or validating the debt. I explained to her I am doing nothing because I do not know what exactly the debt is and again asked for some kind of written documentation to be mailed to me. She said no, it has already been sent. She again asked if I was disputing the debt. I told her to do what she has to do, I am not disputing or acknowledging the debt, but will figure out what it is once I get the email. She said unfortunately, once she hangs up the phone it is final and can not be reverted. Huh?? I asked her to NEVER call me at work and gave her an alternative method to contact me via cellphone. 

Note : The company also stated they are collecting the debt plus XXXX for court fees. I have not went to court??? or been served! 

All I need is the company to provide details on the debt so I can figure out what is going on and make arrangements accordingly if it is legitimate. I do not appreciate being threatened with court if I do not respond the exact minute they call when I have no idea what the debt is. 

Please address this with the company, and I would still like to see what the documentation or debt is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PMAB,LLC
State: NC

Complaint narrative:
I have now got a letter from pmab saying I now owe XXXX it was XXXX. I got the rest of XXXX and it does n't total XXXX it says previous debts which from the last letter it was only XXXX. Now this letter added, it looks to me if something is missing. I do not know where the rest is taken from. I do not owe this total amount unless it has been sent all medical to pmab. I am on XXXX and it is a protected income or exemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CMI Group, Inc.
State: AL

Complaint narrative:
Someone opened an account with a cable service at an address that I have never lived. I have contacted the collection agency that is on my credit report numerous times and informed them of this. /i have even offered to pay it just to get it off of my credit report. They have responded with a bogus letter, representatives were very rude, and is giving me a very rough time with this account. I have submitted a dispute with the credit bureaus and they keep verifying it but they have no contract or anything to supply me with to see who opened this account. Im not sure what else to do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
On XXXX XXXX, XXXX I received an initial phone call from Credit Management of XXXX, TX regarding a debt that I was unaware of. I was told that information would be received by mail and on XXXX XXXX I did receive a letter of notice. No details were included and as such I submitted a request by mail ( received on XXXX XXXX ) for verification of that debt. 

I have not yet received that verification however their phone calls and attempt at collecting resumed again today, XXXX XXXX, XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RGS Financial, Inc.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 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: The CMI Group, Inc.
State: NY

Complaint narrative:
This was removed from my credit report then it reappeared.

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 2015-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Hameroff Law Group, P.C.
State: AZ

Complaint narrative:
After what I considered unfair treatment by XXXX, I had a credit card charge-off in XX/XX/2008. A few months ago, my wife was served papers for a lawsuit filed by a collection agency with my name and hers as defendants. More than six years had passed since the approximately {$7500.00} debt had been charged off, and now a debt collection agency in XXXX was suing me. I feel there are many problems with the suit, among them the amount of time since the charge-off, the fact that no attempt was made to contact me about paying the debt, my wife and I did not know each other at the time I incurred the debt and it was charged off, yet now she was named as a defendant, and I was never given the opportunity to 'have my day in court. ' I filed a response at the courthouse ( at a cost of almost {$300.00} XXXX, and was never granted the opportunity to plead my case. I heard from the law firm suing me that I lost and also that there was to be a hearing about garnishment, but all of these communications were sent ( I believe purposely ) to an incorrect address so that I would not receive them. Now my paycheck is being garnished, and I have never had the chance to speak in court. I do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Shellpoint Mortgage Servicing company has been reporting that I am overdue {$4.00} on a XXXX mortgage that I paid off in XXXX 2014. I am trying to take advantage of a refinance opportunity on my home mortgage so that I can finally get ahead on my budget. I sent Shellpoint a check for {$5.00} to clear up the balance again. They said that there were over {$2000.00} fees transferred with the account and I need to contact Resurgent. XXXX XXXX owns all of these servicing agencies. I have requested a breakdown of the fees and I get nowhere. Each time I inquire about the balance, I get targeted for more fees. This is so unfair. This loan was originally with HomEq. They sold to Resurgent. They sold to Shellpoint. I have worked so hard to get my finances back in order after Hurricane XXXX. I paid every bill that I owed even if the creditor had closed the account and gave a bad report to the credit bureau. I paid every balance. My credit bureau report shows that I have XXXX balances on accounts during that time. Now Shellpoint is reporting that an account I paid in full has not been paid and they are reporting this lie to all XXXX Bureaus every month. I do n't know how to get this removed from my credit. Please help me.

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 2015-12-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: VA

Complaint narrative:
I took a credit card for furniture ( in store card ) XX/XX/XXXX. The original debt was for {$1800.00} Interest free. The Debt was sold from XXXX to XXXX XXXX to The XXXX. From XX/XX/XXXX- XX/XX/XXXX I paid every month as promised. I never missed a payment and it was on " autodraft '' so I was never late. I ended up paying {$2100.00} over 4 years. Keep in mind through-out this 4 year period I stopped receiving bills from XXXX, I called as to why and nobody could help me. I had no idea it had been sold to XXXX XXXX until XX/XX/XXXX when I was contacted by a collection agency asking for {$1900.00}. I back tracked again XXXX, who again knew nothing, I called XXXX XXXX, who told me the debt was not theirs anymore and knew nothing. My issue is I have proof that I paid the loan in full via my bank statements. {$53.00} a month every month. However, nobody can explain or show proof as to why 5 years later after paying {$2100.00} on a {$1800.00} interest free credit card ... I now owe {$1900.00}?! That would be {$4100.00} on {$1800.00}. Please help me. This has ruined my credit and the collection companies are saying I still owe them money on a debt that NEVER existed to be sold!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05 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: PA

Complaint narrative:
I was living with my parents about 8years ago and we moved into an apartment together. I moved out 6 years ago and turned over the paperwork that I moved out and my parents would be only people living at that residence. 2 years after I moved out my parents fell on hard times and unfortunately could n't afford the XXXX bedroom rent at this complex. They were XXXX from this place for back rent owed. I was unaware at that time that this company never removed me from the leasing agreement as the old complex manager left the company and never forwarded the paperwork to the office ( or did ) I do n't know. I saw on my credit report that they are going after me for this debt in which i was n't living at this location and had a new contract for several years with my current landlord. I called Rent Recover a couple years back to get this taken care of and sent them my current leasing agreement, etc. They never contacted me back and I did n't think anything about it until recently when I 'm trying to get a mortgage for a house. This is still on my credit report. I contacted Rent Recovery several times ( XXXX ) and spoke to a XXXX XXXX who stated that their is n't much they can do except for me to pay the balance with interest. I reached out to the old leasing company as well and they wo n't do anything either. I am not sure if they never received the information that I was n't living at this residence or had knowledge and decided to ignore it and seek payment from anyone. Rent Recovered refused today XXXX/XXXX/15 to release the validity of the debt to me and would no longer help me unless I pay the balance. One thing I left out, they removed the collection from my credit report on XXXX/XXXX/15 and reissued it on XXXX/XXXX/15 as a new debt with c/o owners on it. I have that documentation. I confronted them about it today and he pushed it off as a mistake by the credit report agency. I 'm stuck between a rock and a hard place and do n't know what my rights are and where should I go from here. Could you help me or direct me to someone who could help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Linebarger Goggan Blair & Sampson LLP
State: OH

Complaint narrative:
Third party collection agency garnish my wages without verifying the debt after I sent them a debt verification notice several times. The agency is in violation of my Due Process of Law, Supreme Court Case Law, International Law and in violation of the Fair Debt Collections Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am very past due on my mortgage so I applied for mortgage assistance. Well it has been a very long process where the underwriter keeps requesting more documents that have nothing to do with me or my loan. In short this loan is in my name only and given to me without any co-borrower, not even my husband. Well now that I am applying for assistance, the underwriter keeps requesting income and expense proof for my husband 's business and expenses. I have repeatedly written letters to explain that these things only belong to my husband who by the way does not contribute what so ever to the mortgage because it is only in my name. Last thing they requested was a XXXX for me for XXXX from XXXX which is my husband 's business. I wrote them a letter to explain that I was not a XXXX employee in XXXX, I only became XXXX in XXXX of XXXX. They now have denied me saying that I did not provide documents. I have provided everything they asked for in regards to my income and expenses. How can I provide a XXXX when I was n't XXXX at the time? Please help me, they are only interested in taking my home from me and not helping me. Also, they are trying to force me to give them documents that belong to my husband. He is not on the loan and is not willing to give those documents or help me with anything. Please help me keep my 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 2015-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
The issue at hand is my servicer Shellpoint. I have been trying to resolve the issue of my past due payments with Shellpoint. Over the past few years and months I have received correspondences from Shellpoint with different past due amounts. I would like to know : Why the amounts past due keep changingHow did the past due amounts jump from only {$190.00} in XXXX XXXX to {$800.00} in XXXX XXXX. 
I have received my payment history from Shellpoint, but there seems to be fees that were told to me verbally that do not appear to be in the payment history, or, I may be misunderstanding my printout. It was told to me that there was a " Third Party Recovery fee '' of {$250.00}. What was the fee for? 
In XXXX XXXX, there was an insufficient funds charge for a check that bounced, I mailed in a money order for {$140.00} to cover the insufficient funds ( {$20.00} ) and my payment of {$120.00}. I feel I do not owe the {$20.00} insufficient fee because I paid it along with my mortgage payment. 
Can Shellpoint please explain to me how my payments are applied, to principal and interest, escrows or fees which is applied XXXX? 
Last year in XXXX XXXX, I spoke with a Rep at Shellpoint, do believe her name was XXXX, I called XXXX and we set up a payment of {$110.00} in addition to my regular payment that comes out of my account electronically. I sent in the additional payment of XXXX and it was returned stating that I did not have send in a full payment. Please help me get this straightened out once and for all. 
I would like to know what do I actually owe that is past due? XXXX amount, not several different amounts. I have attached documentation to support my complaint. 
Thank you kindly for attention to this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation