vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My mortgage servicing company has not released my mortgage with the county and it has been over the allowed time frame under ORC section 5301.36. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
Bonneville Collections in XXXX Idaho refuses to provide me with the names of the original creditors and the amounts so that I can verify the debts. All they will provide me with is the total amount due and no names of original creditors. They refuse to do so saying that they do n't have my current address and until they have it they will not give me that information. I have a recording of our conversation as proof of this refusal to provide me with the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CLX Systems/ Westwood Management
State: GA

Complaint narrative:
I received a call from a gentleman regarding an outstanding debt to my place of employment. After I explicitly informed him of why the debt was outstanding and disconnected, I received yet another call to my employer 's line. Only this time it was a recording and has been occurring on an ongoing basis for several weeks. Calls have also been placed to my mobile device ; however, I have been able to block them successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have been diligently pursuing a loan modification with XXXX and their servicing agent, Shell Point Mortgage, to avoid foreclosure. We have been working on this for almost a year now. Every time we reach the 30 day period that they have to review my information they send me a statement requesting the exact same information again. I am represented by an XXXX and they are as frustrated as I am. Now, I have been sent a letter declining my modification even though I qualify because they state that they did not receive the required information. I have email verification from them and their counsel that they did receive it, twice. I am now at a point where I may lose my home because their left hand does not know what the right hand is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing services my loan and also collects money from me monthly for an escrow account, from which they pay my property taxes and homeowners insurance. The problems in the past stemmed from this escrow account, which they like to pad with exorbitant amounts of extra money to prevent the escrow account from going into the red when they pay the taxes twice a year. XX/XX/XXXX, they again decided to pad the escrow account and raised my escrow payment by {$1300.00} per month. This was the beginning of the nightmare that has now resulted in five months of Shellpoint lying to me, ignoring my calls, never returning calls, passing the buck, leading me up the garden path to nowhere, sending them mountains of paperwork and generally wasting my time. Even worse, they have ruined my credit, which was excellent when I applied to them for a modification XX/XX/XXXX. They have incorrectly reported me as having been late on payments, when all along, it was Shellpoint who had not applied the funds I paid them in XX/XX/XXXX and XX/XX/XXXX for the XX/XX/XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergys
State: NM

Complaint narrative:
I was recently assigned a phone number on a new line of service. 
This line is receiving more then 6 calls per 24 hour period, including calls outside of reasonable hours. All calls are from the same incoming telephone number. 
I have called the collector back and advised that this is a newly assigned telephone number, and I am not the person they are attempting to reach. 
The company refused to identify what company they are, and has continued to call after my request that they discontinue and are reaching the wrong person.

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 2015-12-27 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: EOS Holdings, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX, has placed XXXX different collections on all my credit reporting bureaus. There are XXXX different amounts, XXXX for {$290.00} and XXXX for {$170.00}. I have called XXXX XXXX XXXX several times to find out what the bill is for, no one can provide me any information on why this is happening. This has been going on for over two years now. They place it with a collection company, I ask for validation, its removed, then then two months later, its with a new collection company with new dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commercial Trade, Inc.
State: TX

Complaint narrative:
I have found this on my credit report. I do not know what it is for.

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 2015-10-03 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: GA

Complaint narrative:
A debt for {$140.00}, paid 2 months ago, continues to be reported to the credit bureau agencies. This debt is currectly showing as open and unpaid on my credit bureau report. This is negatively affecting my credit scores and ability to borrow. This is the only negative item on my bureau report. The debt is being reported by AMERICAN MEDICAL COLL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX. This is a collections agency collecting for XXXX, original creditor. The debt was paid to XXXX on XXXX XXXX, 2015 via credit card with a record of the payment available. The debt and collections account continues to show as open on my credit bureau report as recent as XXXX XXXX, 2015. I have contacted the original creditor and the collections agency multiple times to have the debt cleared from my credit bureau. I have a letter from XXXX showing the debt has been paid. This letter was forwarded to the collector by me yet the debt remains on my credit bureau. The collections agency has not removed this paid debt from my credit bureau and has taken no action to resolve this issue after multiple contacts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Global Credit & Collection Corporation
State: VA

Complaint narrative:
Last year, I ran into financial difficulty and was unable to continue to pay my credit card payment to XXXX. I was in the process of consolidating my debt, but the consolidation loan was taking an incredibly long time. I called XXXX numerous times and updated them, but failed to put that information into writing. By late XXXX, 2016, the debt consolidation loan settled and a check for {$33000.00} was issued to XXXX. The last account statement I received from XXXX ( see attached ) did not reflect that {$33000.00} payment. I never received another statement from XXXX. XXXX apparently sent my account to their collections group. I have received numerous " settlement offers '' from the collections group, but have been unable to establish how much I really owe XXXX, despite XXXX letters to them earlier this year ( see attached ) requesting that information. I know I owe them something, but I just do n't know how much. I would like to settle this account once and for all. The collections group says I owe {$2000.00} more than I think I owe them and I do not understand how they came up with this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: OR

Complaint narrative:
NCB Management Inc. ran an ACH payment through our bank after specifically being advised to cancel the payment, and that funds were not available. Their representative assured us the payment had been cancelled as of XXXX XXXX, 2015, and they ran it anyways on XXXX XXXX, which caused our account to overdraft, and may result in fees from the bank. 
Our bank has been notified, and we have submitted an official fax reqeust to the company to refund the charge if the bank is unable to stop the unauthorized payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Charlottesville Bureau of Credits, Inc
State: VA

Complaint narrative:
This debt was discharged in my bankruptcy. I wrote to the collection agency. They responded saying that they would remove this derogatory mark within 30 days. This was at least 5 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL

Complaint narrative:
I am not the person owing this company anything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 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: First Data Corporation
State: NC

Complaint narrative:
Telecheck/TRS Recovery is blocking me from using my checking account. On XXXX XXXX, 2016, a check was written to XXXX. XXXX drugstore had a power outage. Put check through twice, but later canceled second charge for {$100.00} for same items. Telecheck/TRS Recovery has issued false report so it can make money that is not owed. XXXX drugstore is aware, but claims it has no control over Telecheck/TRS Recovery ( First Data ). I need a resolution that will remove the block and stop the phone calls daily from various anonymous or hidden numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MID-ISLAND MORTGAGE CORP.
State: NY

Complaint narrative:
My taxes were not paid. I will most likely end up paying late fees because of Mid-Island mortgage incompetent service.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Servis One, Inc., Titusville, PA Branch
State: IL

Complaint narrative:
My wife and I signed a deed of lieu off foreclosure on XXXX XXXX with BSI Financial Services, with the agreement of a XXXX check of {$10000.00} for relocation fees, we vacated our premises on XXXX on XXXX per our agreement. and we still have not received the XXXX check from BSI financial Services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: IL

Complaint narrative:
My mortgage was previously owned by XXXX XXXX. It was purchased by XXXX XXXX, managed by BSI Financial. They have been mismanaging my escrow, refusing to speak with me, and has placed my home in foreclosure for funds they say i owe but refuse to provide an eexplainaction of their findings. I have submitted proof of payments and they still are pursuing my home. I am currently under the Hamp program and have not defaulted on it..I have been harassed since BSI Financial took management of my loan ... They purchased insurance on top proof of insurance already active.. I am currently in a bankruptcy and the stay has been lifted due to inaccurate information submitted to the courts ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Adding money — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I tried logging into my Reloadit Safe account last night and was not able to gain access so I could unload a card I purchased earlier. 

Now after 24 hours of trying still no access to my account. Reloadit Safe says they sent a email to verify my device but the email never arrived. Made several additional attempts but still no email.Very poor service. This has happened on several occasions in the past by usually resolves in a few hours but not this time. Attempt after attempt just fails. 

Very dissatisfied with the lack of response and ability to contact Reloadit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The Collection Connection
State: PA

Complaint narrative:
A company called collection connection just sent me a letter demanding payment in full within 10 days or they claim will they turn it over to an attorney in my city. I do not owe this debt. I paid the XXXX in cash when I withdrew. They have never validated this debt. I have disputed this account on all XXXX bureaus to no avail. Not only are they threating to sue me on an account I do not owe, not validated, but its also after the PA statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Acceptance Solutions Group, INC
State: TX

Complaint narrative:
I responded to an email approval for a payday loan through Acceptance Solutions Group and was approved for {$600.00}. I received a response for a loan associate named XXXX for how much I wanted and I agreed to {$300.00}. XXXX then asked for my address, email, banking information, and debit card number. I sent the requested information back and was told I should receive the funds that day or the next. I did not receive the funds and first XXXX stated the underwriters did not approve at that time but did after I was sent the forms and electronically signed them already. After a week XXXX finally told me they sent the money to an old XXXX account the pulled from previous data instead of the information I sent her and she requested in an email. XXXX never sent the money back and was credited to the old account. Now I assume they want to charge me for their mistake. I never completed an updated application, I have not had that XXXX account in over 6mths, and I still have not received any money ye they are still trying to charge me. I can not get XXXX on the phone now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
I 'm a XXXX in the XXXX, XXXX, Georgia market. I interact with a large number of real estate agents and their companies. I 'm facing unscrupulous and illegal competition in this market by Home Star Mortgage Corporation. Home Star 's entire marketing strategy is based on illegal referrals thru their contracts with realtors on XXXX and in paying rents to brokers which are n't based on market rents and are inflated to illegally benefit the broker. In particular, their rental arrangement with XXXX in XXXX Ga. and in XXXX Ga. should be looked into. 

Homestar 's system of reimbursing the realtors or in paying XXXX bills directly for the realtor in exchange for referrals is an illegal kick back and pay to play system that has greatly affected our market, and allowed HomeStar to manipulate the market to their advantage, while reputable lenders such as myself who will not violate the rules are left to compete against an unfair business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-31 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: Credit Protection Association, L.P.
State: OH

Complaint narrative:
I have a a unverified account from XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request thatXXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2015-11-03 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
I purchased XXXX gift cards from XXXX. When I tried to use them later my purchases were declined. I checked my balance on each card and they had all been used up. I immediately contacted XXXX for assistance and they told me they would take 4-6 weeks to investigate and get back to me. They also asked me to send in multiple documents and proof of purchase. I did all that. 

As of now I 've only received the funds back on only XXXX of the cards. I 've tried asking for updates on the other XXXX cards but I still get quoted the same line : " please wait 4-6 weeks for our investigation to finish. '' When I tell them that I already did, they do n't have much to say, but apologize that " they understand. " I do n't know why it 's so difficult to get in touch with the appropriate people at Blackhawk. The only number I have reaches people who never know what 's going on and simply tell me to sit tight. Is this how consumer protection works? I sent in all the documents they asked and did so properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: OK

Complaint narrative:
My tax refund was sent to Paypower on XX/XX/2015. I am unable to access my funds, despite almost 2 weeks of trying. I have provided them with all the necessary information for verification but their mysterious higher department has failed to give me access to my Federal Tax Refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
I sent my mortgage payment in in XXXX 2017 bsi has not cash -ed the check and the mortgage is late.i would like to know why the check has not been cashed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Central Service Bureau, Inc.
State: FL

Complaint narrative:
I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any invoice just harassment phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northland Group Inc
State: AZ

Complaint narrative:
I came to an agreement with the collection company on settling my debt. After receiving an offer letter and fully paid letter from the collection company, I still have not received any communication from the original debtor, which in this case is XXXX. It has been over 2 months since the debt was " settled ''.

Company response to consumer: Closed with non-monetary relief