vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I have an issue with the State of Ohio unemployment for overpayment of benefits back from 2008. I 'll requested proper paperwork to explain what I owe and why but have never received anything in mail verifying statement of what 's owed. I sent a letter to collection agency 30 days again and still did not receive anything stating what and why I owe. I followed the Federal Trade Commission guidelines and also sent a copy to FTC. I would like to know what my next step is from here? Because they put a levy on my bank account and I have not had access to bank account now for over a month or so. Looking for any soluiton to this problem to help me resolve my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 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: AR

Complaint narrative:
I received a collection notice stating that I owed a cable company {$66.00}. I cancelled my service with that company and returned all equipment and was told my balance was paid in full. I never received any other bill or communication from the cable company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Skopos Financial, LLC
State: NC

Complaint narrative:
I purchased XXXX Ford Fiesta from XXXX XXXX XXXX XXXX, in XXXX of XXXX. I was making my payments on the vehicle. I started to have problems with the car so wanted to trade the car in. Not to mention, did n't have car for a year yet just 9 months. Went to where got car to trade it in. And could n't trade, from XXXX XXXX XXXX XXXX. They were going all around why I could n't trade my car. Went to XXXX to see if I could trade the vehicle there. At XXXX is where I learned of predatory lenders. I learned that I was paying the interest instead of the car. That the finance company ( Skopos ) was charging me XXXX more than what car is worth. So in the contract six years to pay off a XXXX XXXX dollar car that 's only worth between XXXX to XXXX. So I even tried my bank which is a credit union and they wo n't touch it cause they said the car is not worth XXXX. Please help me to get interest rate down which is 17 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: RGS Financial, Inc.
State: OR

Complaint narrative:
On XXXX/XXXX/16, RGS Financial contacted my mother and repeatedly asked her for my phone number.

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 2015-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
they call and dont say anything. i researched them but cant tell if they collect debt or do debt consolidation. I dont have anything on my credit report suggesting I owe anything other then my bills that are being paid.

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 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK
State: VA

Complaint narrative:
I have a mortgage with Astoria and they are taking out XXXX taxes XXXX/year in addition to XXXX, XXXX taxes taken out. When I inquired as to why I was paying XXXX taxes although I live in XXXX, XXXX I was told they would look into it. I received a letter that they had rectified the situation but with no supporting information. I do not know how log I have been paying this erroneous tax as I can only access back to 2013 my records. I would like to know what this is, how long it 's been going on, and get any reimbursement that is due me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
This company, " Credence Resource Management '' has continued to call and demand I provide personal information, like my social security number and address, and when I refuse, they indicate I have to or they will take legal action. I do n't know who they are or what they are calling about. I have repeatedly asked to be removed from their call list and I keep getting calls. 

When I was recently on vacation, they called my phone so many times, that it defeated by " Do Not Disturb '' feature as my phone thought it must be an emergency. 

They will not identify themselves, what they are calling about or what company they are calling on behalf of. 

When I finally blocked the number on my cell phone, they just started calling from a new number.

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 2015-05-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: NE

Complaint narrative:
A 'dunning ' letter sent from Credit Control , LLC was dated XXXX XXXX, 2015 and received by consumer XXXX XXXX 2015 which Consumer feels cuts deep into the XXXX ( XXXX ) day timeline allotted by the FDCPA to respond to the letter in a timely manner. The envelope the letter was mailed in was postmarked XXXX XXXX and received by consumer XXXX XXXX 2015. This attempt by Credit Control , LLC to violate consumer 's right to the XXXX ( XXXX ) day timeline allotted to dispute the debt falls under the Fair Debt Collections Practices Act ; Section 15 U.S.C. 1692e " false, deceptive, misleading representation ' and violates consumers rights. Furthermore, Consumer does not owe Credit Control , LLC a 'debt ' based on the FACT : Consumer has no fiduciary, contractual obligation to pay Credit Control , LLC ( or anyone acting on behalf of Credit Control , LLC ) anything. There is no payment history, nor products, or services that have been rendered to Credit Control , LLC, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact ', that will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will 'tender ' as evidence in a court proceeding if Credit Control , LLC ( or anyone acting on behalf of Credit Control , LLC ) pursues this matter. Consumer refuses to be a 'victim ' of unjust enrichment or extortion. Consumer thanks CFPB for providing this venue as a means of formal documentation. Consumer will file a state and federal lawsuit if Credit Control , LLC chooses to adopt their own agenda and ignore this complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Service, Inc
State: WI

Complaint narrative:
I served as a guarantor on my former colleague 's apartment rental lease, for some reason my colleague owed the landlord ( XXXX ) a debt of {$220.00}. The landlord sent this debt to a collection agency without noticing me, and the collection agency ( Collection Service International ) reported this debt to the credit bureau without noticing me in advance neither. On XXXX XXXX 2015, I got a debt collection notice from the collection agency, I was told that this debt was reported to the credit bureau at the end of XXXX and had affected my credit history since then. 

I contacted them on XXXX XXXX 2015 and questioned why not notice me before reporting the debt to the credit bureau, they said they are not required to. I was also asking them to provide a written document that shows it 's not required to notice me before reporting to affect my credit history, they refused to do so as well. 

I am not very comfortable to bare the damage on my credit history without knowing what 's going on. No of the three parties ( my former colleague, the landlord or the collection agency ) have noticed me of this debt in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
my mortgage has just been sold to shellpoint mortgaging services in XX/XX/2016 ... i received a certified letter today stating i owed monies ... .they only monies i owe is this month XXXX ... the letter is certified and threatening to me ... .default with acceleration and balance is this month plus next month. the letter makes it seem they can take my home from me if balance is NOT up to date ... i have seen many complaints from this company for same reasons on google and SOMETHING NEEDS TO BE DONE. i am current ... i should receive these letters if i am over 2 months late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
ShellPoint Mortgage Servicing Company is not replying or reissuing a second lien release that they said would be edited for aproperty sell to happen. They were advised regarding and said they would forward to investors to have edits done, so, we could move to close. This was inXXXX. 2015. We had to cancel closing the day before ( twice this has happened because of them ) It took over two months to get this lien release in the firstplace. The seller attorneys office has contacted Shellpoint on numerous occasions to get status updates or timeline for new letter. They have failed toprovide any information. This is bad business practice on # Shellpoints part. # Shellpoint is not practicing good consumer business or relations. They are notworking to try and ensure they get any money or that both groups receive some level of compensation versus zero if foreclosure happens. # Shellpoint ispurposely prolonging this process and has negatively impacted this situation that could help both XXXX lien holder and allow XXXX lien holder ( Shellpoint ) torecover something, the seller to get relief, and me the buyer ' to have an affordable home. No one is holding # Shellpoint to a higher level of consumerrelations ( to be respectful, to be professional, and be honest and upfront ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am the borrower of New Penn Financial D/B/A Shellpoint Mortgage Servicing. 

I entered into a contract of sale, on XX/XX/XXXX, with the purchasers selling my co-op unit located in XXXX. After the Co-op Board approved the sale, my attorney started to contact Shellpoint, on XX/XX/XXXX, requesting for the pay-off arrangement. Shellpoint shall locate the collateral documents ( original Co-op Stock Certificate and Proprietary Lease ), and notify us, so that we could schedule a closing, at which Shellpoints will get the whole loan payment and I could transfer the title of the Co-op unit to the Purchaser. 

Normally it takes about two or three weeks for the bank to complete this step. However, despite repeated inquires made by my attorney, we did not see any efforts by or good faith in Shellpoint in processing the payoff. They simply responded they have not located the collateral documents yet again and again. They also refused to provide an Affidavit of Lost Documents after all the parties of the sale had been waiting months after months while such a simple affidavit can get the deal closed! 

On XX/XX/XXXX, my attorney, after numerous efforts, finally found out who represents Shellpoints and started to contact Shellpoints ' attorney for the pay-off arrangement. However, up to date, Shellpoint still could not provide either the collateral documents or the Affidavit of Lost Documents. 

With legal representation, Shellpoints should be fully aware of the consequence of such a serious delay. The delay of Shellpoint has not only cost me extra interest and penalty charged by Shellpoint, but also 6 months ' maintenance charge of $ XXXX/month, as well as extra legal fee and penalty charged by the Cooperative Corporation and my attorney. Besides of this, the Buyer may walk away from this deal any day. 

It will be beyond the imagination of any reasonable mind that CFPB allow a borrower be abused by a licensed commercial lender in this manner. 

It 's a nightmare!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I 'm filing a complaint regarding a TILA REQUEST and OTHER REGULATION REQUEST UNDER Regulation Z I sent by certified mail and fax.ies My letter stated particular questions that they are required to respond As of today, I have not received a response. The only papers I received were regarding pre-foreclosure actions. Also while my mortgage was being paid through HOMESAFE of Georgia ( Federal government program to pay 24 months of payments for homeowners who are underemployed ) While accepting federal funds, Ocwen never mention that my loan should be reviewed for a principal reduction based upon the CFPB Consent Order. In particular my loan was effected because Litton Loan Servicing LP. Serviced my loan.. Since Ocwen is acting debt collector, and they have all my financial information from receiving government funds for 24 months of payments, I need tp obtain the TILA and regulation Z for a settlement of the loan. 
I 'm attaching the Consent Order, and the Certified Letter sent to Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC
State: NY

Complaint narrative:
The following agency, Capio Partners LLC, filed a derogatory record on my credit report, but i did not receive any notification with a right to dispute. When asked about, a representative informed me that no communication letter was sent out. I had no idea this was on my credit report. 

Note : I did pay the debt with my CC because I was buying a car and wanted the record off my report. I was told that the record would be removed, but XXXX confirms it stays on for 7-years. 

I want to make this complaint because I feel I should have been given notice with at least 30-days to dispute the claim. I should not have paid the claim as it was a XXXX case from XXXX of 2010. XXXX paid for my XXXX service, but the hospital, XXXX XXXX XXXX XXXX, in XXXX, PA has been harassing me for more money. 

I was advised by XXXX that I should not pay the false claim and that I should continue to dispute it to avoid records on my credit report, but this collection agency did not give me a chance to dispute the claim. I have never had a bad record on my credit report and this hurt my overall score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
My mortgage company Ditech in XXXX of XXXX put us on a loan modification and after making 1st payment stopped calling us and would not answer any of our calls .When we finally got ahold of Ditech they told us not to make any more payments which we thought was very strange. Several months later started to get electronicly signed documents from a lawyer firm called XXXX XXXX XXXX XXXX. Turns out that they have been in many mortgage scams on there sight .My Attorney who we believe was involved as well as our Trustee seemed to be covering up something .Around XXXX we got issued forclosure papers and documents from there lawyers XXXX asking for certain documents when returning papers for a loan modification.My wife and I started to do some research and discovered some very discriminating evidence of fraudulent activity on some documents we had found involving a merger between banks that we had on our mortgage .Turns out that we actually had the deed book along with a mortgage assignment that has some very suspicious material on them. I was not sure why I would of been sent the deed so did some research and found out that everhome mortgage company had paid our house off in XXXX in a settlement agreement. When the merger took place which has XXXX different copies showing different times and dates then I have in the original cover page of deed ..there lawyers XXXX XXXX XXXX sent us papers that they were gon na have sheriff sale on house on XXXX XXXX XXXX. My wife and I believe that we were scared by our mortgage company and that my lawyer and trustee covered it up for the banks involved cause they kept me in a bankruptcy that I should have never been in cause I was transferred our home in XXXX before I was even in forclosure..we believe our rights have been violated by our mortgage company and there XXXXDitech XXXX as well as my lawyer and trustee. We now have found out that XXXX has eliminated my accounts hiding the transfer of said property.Ditech who is the latest company wo n't answer callsome and looks like they are trying to take our home away from us. We are hoping that someone will investigate this matter as time is of the essence please help us save our home of XXXX years.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I AM GOING THROW A FRAUDULENT FORECLOSURE PROCEDURES BY THE SERVICING AGENT OF MY LOAN ( DUAL TRACK IN CONSPIRACY WITH THE TRUSTEE OF THE LOAN THEY ARE HIDING THE ACTUAL INFORMATION OF THE LOAN MODIFICATION STATUS AND HARASSING ME OVER THE PHONE WITH FALSE INFORMATION, THEY FILED ON THE XXXX CLERK A FALSE STATEMENT TO FORECLOSE MY HOME, DENIAL OF THE HOME AFFORDABLE PROGRAM WITH OUT LOOKING THE DOCUMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: AZ

Complaint narrative:
The debt collector has been leaving voicemails with a person I know stating they are calling to collect a debt. This person called them back to let them know they had the wrong number and they continued to harass him, asking personal questions about him and myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
the day after I closed on a new loan it was sold to a company that uses Shellpoint Mortgage Servicing. They have lost and then mishandled my information and now I ca n't even get a statement and its very difficult to pay my premium. When I call their number they say I ca n't get account info because I am in bankruptcy, which I have never been. It is all so confusing that I do n't even know if my loan is being paid or not. Let me know if you can help. thanks

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX XXXX called and spoke to my husband on XXXX XXXX 2016. They disclosed all the information about my debt with him. I have never given XXXX XXXX permission to disclose information to my husband. My husband also does not have a power of attorney. For them to do this it is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am XXXX years old ; I was XXXX at the time of my wife 's death on XXXX XXXX, 2014. I contacted Capital One to close my wife 's account. I was not a co-applicant, but an authorized user. I was advised that I could then have a credit card and my wife 's account would be cancelled due to her death. However, her account was not closed, but they replaced me with my wife as the primary card holder. Capital One is now holding me accountable for XXXX of debt that should have been cancelled upon my wife 's death. I live on a fixed income and can not not pay. As an authorize user, I used the account thinking I had a clean slate ; I have tried to rectify this for two years. I have struggled to pay them {$400.00} each month, while waiting for resolution, that never came. They are not able to produce the original application, which will revealed that I was never a joint applicant and did not apply for this card. Please provide any assistance that you can.

Company response to consumer: Closed with explanation