vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY

Complaint narrative:
I have been dealing with this company ( AMCA ) since XXXX when I had a medical bill that fell into collections due to the fact that I moved and never received the bill. I set up a payment plan with the collector and paid off my balance and I even received a case number stating that it was paid in XXXX. I recently discovered a derogatory mark on my credit from them so I called to find out why and apparently they have no record of my automatic payments that were set up or that I paid in full, theyre stating I had bounced checks, Ive never written them any checks what-so-ever, I have asked for verification and validation of my payments multiple times and never received anything from them. I printed out proof of my payments via bank statements and they still have not removed my balance and also have not removed it from my credit report. I do n't know what to do to take care of this situation, theyre extremely unorganized I receive different information every time I call them and they never have a clue what is going on. I can provide you with my bank statements via fax as well to show that this has been paid, however I am unable to attach them to this complaint because they are not saved to my computer,. I just want to solve this matter as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: EdFinancial Services
State: DE

Complaint narrative:
I recently received an e-mail from Edfinancial regarding a college XXXX loan they hold. Several years ago, they held my XXXX loans which were paid in full. At first I thought it was a bogus e-mail and was going to delete it. I clicked on the link and carefully maneuvered through it to see what information they may have on me or if any. When I called their customer service department I was informed they held my loan and wanted to speak to me regarding my payment. I had no idea they held a loan. I had not received any written notification or e-mail from the group holding my college note. According to their customer service department since they held my XXXX note they did n't see any reason to inform me as to holding the XXXX note. Those XXXX notes were paid off more than 5 years ago. When would they find it convenient to contact me? When I was past due? When I was ready charge off? In 1968, The Truth in Lending Act was approved. ( TILA ) protects a consume against inaccurate and unfair credit billing and credit card practices. It requires lenders to provide a consumer with loan cost information so that you can comparison shop for certain types of loans. I check off approving the note from my university, but I had no idea you they were the holder of the note. If they approved my loan and viewed my credit, they will notice, I have steadily been paying down loans held by the state of Pennsylvania on weekly basis. If I had known they held the note I would have done the same and have begun to pay your note down as well. The note has accrued interest for over 90 days. I want the current interest accrued on the account removed. I will now send them weekly payments so as to begin to pay down the note and have it paid off sooner than expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
JH Portfolio Debt Equity is a company reporting identity theft information to XXXX. After receiving the negative information from XXXX I call JH Portfolio and informed them the information is fraud and was also in bankruptcy. I ask to have the information remove. The information remained in my account and was never removed. The information is damaging to me, it is destroying the intent of getting the Home Equity Line of Credit. I want it remove and my credit score back to XXXX befor the damaging report.

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 2016-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I have previously submitted a complaint about Shellpoint deliverying confidential information, including demand letter and intent to accelerate letter to my home which is not my mailing/billing address of record. My home is currently occupied by a family member and just today a messenger went to the home and asked to speak with me and advised my family that it was regarding a delinquent payment ( incidently it was for XX/XX/XXXX payment which is in their system to be paid, leaving the account 22 days past due. 

I complained before when they sent a messenger, and shared private and confidential information with someone other than myself. I asked them to cease and desist sending documents and people to this address and they have not even had the professionalism or business courtesy to respond to my complaint. These people are incompetent and have a loan shark mentality for collecting or barely delinquent payments. Unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 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: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
Debt Collection agency contacted my father on several occasions in regards to a debt they are pursuing that I no longer owe. The debt is made up entirely of penalties and fees as the principal balance was paid to the original creditor in XX/XX/XXXX, prior to being made aware that any collection agency was involved. According to the agency, the debt consists of late fees and penalties that have been accruing since XX/XX/XXXX. I have never received any prior communication from the agency, and they claim that the information was sent to an address where I have not resided in over 10 years. Contrary to their assertion that they believed this was correct address, the agency verified my identity by proffering proffering the address at which I currently reside. Additionally, the original creditor sent correspondence to me directly to my current and previous addresses. This company clearly sent communication to a known bad address in an attempt to build up interest and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: VA

Complaint narrative:
I have paid this account in full, and have made multiple attempts to get a letter stating that I no longer have a balance on the account. They continuously make requests to send the letter, however I have not receive it. My lender also attempted to get a letter, because I need this letter in order to get a mortgage loan approved. I have exhausted all of my resources and they are not helping. I was originally told that I would receive a letter stating that I had paid the account in full, no later than 20 days. it is now over that time period and I have not received it. They are not sending the letter. I have asked to have it sent via e-mail as well as fax and neither has been sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
THIS IS A XXXX ADDENDUM TO MY DISPUTE # XXXX : XXXX ADDENDUMI know you all know what I 've presented to be true about the certificates XXXX being sold multiple and numerous times, and that XXXX XXXX XXXX, XXXX 's so-called Vice President is a fraud and will be prosecuted, who is really a vendor of XXXX. These certificates have been floating around since XX/XX/XXXX and XXXX did not modify our loan until XX/XX/XXXX ; five years later. Common sense should tell Shellpoint and XXXX that it is very possible some other entity had purchased the certificates before XXXX ; and they did and I have proof. But again, Shellpoint is only doing this to make a fast buck and well as XXXX and others Furthermore, XXXX had breach our initial modification by not reporting it in accordance with law, because it was done under the table and therefore, we would like our initial HAMP Tier 1 modification re-done because this is not our fault.. 

Thank youXXXX 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 2017-04-04 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: FL

Complaint narrative:
Received 2 letters stating a debt to XXXX that does n't exist. XXXX confirmed this ( we are on autopay ) and said they have their own debt collection department and do not use an outside agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
I have spoken with JH PORTFOLIO EQUI ( Collection company ) on many occasions. On XXXX/XXXX/16 I spoke with XXXX and told her that I wanted a copy of signed agreement between me and XXXX XXXX XXXX. She stated " she does n't know if she will be able to get that but she would try ''. I also mailed an dispute letter, and her department received this letter on XXXX/XXXX/2016 and I have included that dispute letter within this complaint. I have also included a copy of receipt. It clearly states what I 'm requesting. I called XXXX/XXXX/2016 to check the status and I was transferred to XXXX again, who now was extremely rude because I wanted to see if she has gotten a chance to look at my dispute letter and if she was able to get signed application from original creditor and me so I can review. she stated that she has n't heard anything from XXXX XXXX XXXX and does n't have that document nor copy of my license. I asked for her extention # or employee # and she refused to give it or her managers information. On XXXX/XXXX/2016 I received a basic validation letter but nothing that I requested. I was clear, I stated that I want this information removed from all credit reporting agencies. How can they validate this debt without having at minimum, a signed agreement between me and XXXX XXXX XXXX. Also, according to statement sent by JH PORTFOLIO from XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX but according to JH PORTFOLIO its XXXX XXXX XXXX XXXX. I have included supporting documentation.

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 2016-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: GA

Complaint narrative:
I have asked Enhanced Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 2017-03-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
Contacted by Professional Claims Bureau , Inc. several times in an attempt to collect {$3700.00} for a medical bill at a hospital that I did not visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
THE COMPANY HIDAY & RICKE P.A. LOCATED IN XXXX FL. WITH A XXXX - FALSELY CLAIM TO BE ATTORNEYS OF THE LAW - WHEN THEY ARE JUST A THIRD PARTY DEBT COLLECTION GROUP ... .THEY ALSO USE THE XXXX XXXX COURTS FORMAL ADDRESS AS THEIR LETTER HEADING WITH THEIR CORRESPONDENCE TO ME - THAT STATES - IN THE XXXX COURT, XXXX, IN AND FOR XXXX XXXX XXXX FLORIDA XXXX .I HAVE BEEN SENT NUMEROUS LETTERS FROM THIS DEBT COLLECTOR STATING THE DEBT THEY SAY I OWE ... THIS HAS BEEN ON GOING FOR SEVERAL YEARS ... THEY HAVE SENT PROCESS SERVERS TO MY HOME - AND MOST RECENT IN XXXX 2014 - THEY SENT A XXXX MAN TO USE SCARE TACTICS AT MY HOME - BY POUNDING ON THE DOOR AND YELLING OUT I WAS BEING SERVED PAPERS FOR THE DEBT I OWE ... .I HAVE RECENTLY SENT THEM LETTERS TO CEASE AND DESIST ALL CONTACT WITH ME AND MY HOME - FOR THEY ARE ONLY A THIRD PARTY DEBT COLLECTOR ACTING LIKE ATTORNEYS ... .AGAIN RECENTLY I RECEIVED A LETTER FROM THEM STATING I DID NOT SHOW FOR A DISPOSITION AT THE COURTS ... .IN CONCLUSION, WHAT EVER PAST DEBT I HAVE, HAS REACHED A STATUE OF LIMITATIONS ... ..I REFUSE TO DEAL WITH THIRD PARTY PHONEY DEBT COLLECTORS ... ..PLEASE PUT A STOP TO THEM AND THEIR BULLYING SCARETACTICS!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 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: Kriya Capital, LLC
State: MO

Complaint narrative:
I had phone service with XXXX years and years ago. I worked at a company that I did not get service with for the whole time I was there. I wrote to them and advised them that they were not filling their part of the agreement/contract and if I could not get service at my job. I had XXXX other accounts in which I tried to utilize at the job and to my avail they did not have signal either. At that time my contract with XXXX became null and void. I advised that I could have a family emergency or anything that could transpire while I was away from my family and could not be contacted on any of the phones I tried there at the office. XXXX agreed to discontinue my contract with any fees included to be removed considering I had been a previous customer for about 7 years. It was n't a personal decision they could just satisfy my need. They have since taken off the fees and what was owed added them back taken them off and then added them back again. When they add information back to my credit report it is always in a different amount. It went from {$780.00} to {$640.00} and now {$390.00} has been added back to my credit report. I do n't understand how they agreed to have any charges credited from back in 2011 and now every time I lookup there is a different amount being added to my credit.

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 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I previously filed a complaint ( number XXXX ) which was closed after you sent me an email in XXXX 2016 stating, " The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. '' I received a letter from them shortly after your email stating that they are working on my claim. Since then I have not heard further, despite my numerous phone calls, which have all gone unanswered. Please see the prior complaint for the details. Apparently, after they respond, prompted by the CFBP inquiry, they say they will comply and address the issue, but no further action is taken.. Your email to me from XXXX, 2016 states that " New CFPB mortgage rules protect borrowers and make it easier for them to get the help they need. '' Unfortunately, this has not been my experience. I would therefore appreciate if you would reopen the prior complaint. THank you. 
XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Shellpoint has lied to me and to the CFPB for years now stating that they have approval from the investor of this loan to review me for an assumption and modification because I am not an original signor on the note but was awarded the property in my divorce decree and a XXXX, which makes me the successor in interest. Now, they have dual tracked for about the 100th time and even though I have a letter from them stating otherwise, there is a foreclosure sale date on my house. Shellpoint has been unfair, deceptive and abusive through every step of this process that has dragged on for YEARS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: Credit Service, Inc
State: OK

Complaint narrative:
1. this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars 2. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all XXXX credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. 

Both of these accounts have been disputed on three separate occasions and the collection agency continues to report inaccurate and unsubstantiated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
I have been with XXXX for 12 months at my previous address. Upon my move I 've returned all the XXXX equipment. I 've also had Home Security. I purchased a new home and XXXX does not service in the new location. So I 'm forced to find a new provider. XXXX has now charged my account {$800.00}. Stating that I am in violation of their 3 year contract. I spoke to a rep on XXXX and she assured me that the issue would be taken care of. I then called today XXXX to follow up and I was told by XXXX XXXX ( XXXX ) that she could not remove the {$800.00} charge from my account. I also received a letter from Credit Management LP and the debt has been placed for collection. I have been a loyal customer for over 10 years and I find this quite threatening that XXXX would treat their loyal customers with such disrespect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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: ERC
State: TX

Complaint narrative:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Enhanced Recovery Corp. I had my Personal financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with Enhanced Recovery Corp. This was a XXXX XXXX Account and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Enhanced Recovery Corp. In this case the debt should be removed from my credit report and out of the office of Enhanced Recovery Corp. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can not collect in the state unless they are register by the State of Texas and bonded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief