vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I received collection notice from Credence in XXXX Texas claiming I owe them {$1700.00} for a debt owed to XXXX XXXX in California. I have paid that debt to another collection agency XXXX XXXX also in XXXX. You have investigated this before and XXXX XXXX sent you confirmation that I had paid them.

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 2016-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX Shellpoint Loan # XXXX XXXX XXXX has been working on a short sale since XXXX XXXX. The short sale was approved and then the mortgage servicing transferred from XXXX to Shellpoint. Since Shellpoint 's servicing of the loan, the short sale review has been mishandled. Shellpoint has delayed the review, obtained a value, countered the buyer, then took so long to complete the review that they needed a new value of the property. This cycle has gone on 3 times. We have had numerous buyers walk from this transaction because Shellpoint makes inaccurate and misleading statements and then does not follow through with them. 

Shellpoint completed their most recent appraisal in XXXX XXXX. The appraisal came in at {$360000.00}. The buyer was countered at XXXX. The buyer increased their offer to the full appraised value of XXXX. Since that time, Shellpoint ( XXXX XXXX - SPOC ) has delayed the review, not responded to calls, ignored messages sent from the customer service department, and did not provide reasonable updates on the file. Since we submitted the buyer 's increased offer of XXXX on XXXX, I have been unable to obtain an update on the review. On XXXX/XXXX/XXXX, I was advised that the SPOC XXXX had put a note on the file with a counter of XXXX which is XXXX over appraised value. I can not reach the SPOC 's manager and the escalation line provided on their website directs to the XXXX department. There is not a single person to reach out to or anyone to hold accountable for the review. It is bad business practice to counter the same buyer twice based on the same appraisal. This, again, shows that Shellpoint has no intention of working with their borrower. Extremely misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK
State: NY

Complaint narrative:
I am asking for an investigation into the Astoria Federal Bank mortgage increases. I have attached documents for your review. I was told in XXXX that my mortgage increased because my insurance was increased. So I got another less expensive hazard insurance, submitted that and received notice of an even further ADDITIONAL increase. I feel that something is not correct. 
I have never been late on a mortgage payment. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST CREDIT FINANCE
State: CA

Complaint narrative:
This company contacts everyone on my referral list if I am late paying and tells people on this list that they are looking for my car. They have been rude and harassing calling multiple times and using threatening language like " contact us or else. '' When I called and asked to speak to management once, the person told me that I did n't have the right to speak to a manager because I have n't made my payment. When I asked them to stop calling my XXXX mother in law with XXXX who lives in NY, they told me that they will continue to call her because it makes me call them. It 's a tactic that they use. I have recordings of their threatening tactics and frequent harassment. Even after I paid {$100.00} and signed a contract extension for the month of XXXX., they still called my mother in law everyone else on my referral list asking for the location of my vehicle.

Company response to consumer: Closed
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
J.H. Portfolio debt collection practices on my credit and have been placed for collections. 
I contacted the XXXX major Credit bureaus, and J.H. Portfolio with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. I have not received any financial gain from the above accounts. 
Portfolio validated the debt as mine, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX XXXX had been stolen J.H. Portfoliois very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime J.H. Portfolio must cease and desist all debt collection practices. 
In the event J.H. Portfolio or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.

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 2016-12-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have made principle payments multiple times. Frequently, these payments have been applied to interest and future payments instead of principle. I have called repeatedly and have taken to writing PRINCIPLE on the payment slip and using highlighter pen so there ca n't be a mistake in the intent of the extra payment yet it is still not applied to the principle balance. Over and over again. The payment slip is not confusing, there is a box for Principle and this is what I use. This issue has occurred multiple times. My statements are misleading, showing very large interest payments - twice what they should be. This same mortgage company did n't pay my insurance and taxes from Escrow funds and refunded me the balance. I was the one who pointed out their error. This occurred XXXX consecutive years. I am so frustrated that I am refinancing so I do n't have to deal with them any long. Complete incompetence and repeatedly. This begs the question what else are they doing incorrectly that is n't so easy for me as a consumer to identify. Could my interest charges be inaccurate, could my balance be inaccurate ... ..

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 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EdFinancial Services
State: CA

Complaint narrative:
I went to finance a car and my credit report says i have student loans from the college XXXX. I have never lived in XXXX. And i never went to college. I have lived in XXXX all my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have this mortgage with Shellpoint Mortgage Servicing I ask them for loan modification. when I call them. they said that they will make my loan late but is will reversed once the modification was done. All was over the phone but when all was done they did not honor that. 
But I notice that on my credit report show XXXX 120 days late payments but the month has only 30 days. 
( see included copy of the account ) and one month they report late on XXXX credit bureaus and XXXX current. Once again 120 days. when is only 30 days on a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been trying to get a loan modification for almost 4 years now. First through XXXX XXXX XXXX, they repeatedly asked me for the same documents every business quarter. Specifically, bank statements, a personal profit and loss statement, and tax return copies. I did that many times for almost a year and a half, at that time I got a letter from XXXX telling me that my loan had been sold to a company called Shellpoint Motrgage company. That company just picked right up where XXXX left off, asking me for those same documents, bank statements, profit and loss, tax returns. I have supplied them to Shellpoint through an attorney I retained. I have sent those same documents for almost 2 years now with no loan modification, just more form letters. My loan is due to increase by almost double this month, my attorney has repeatedly tried to contact Shellpoint to get status ... .No callback, no email response from them to this point. I have not received any certified mail regarding status or disposition of my case. I am filing this complaint in hopes that we can work together to get Shellpoint to do my loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 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: Kriya Capital, LLC
State: MD

Complaint narrative:
I have been contacted by Credence Resource Management LLC. I have researched this company and it appears they are attempting to defraud people. I settled this account with XXXX XXXX in XXXX. I have attached the settlement letter and proof of payment. I have heard about collectors who take information from their companies and set up dummy companies to try to steal money. 

All my research online says that this company is bogus and operates overseas. They take the forgiven balance from settlements and try to bilk money out of those customers. This may be happening to XXXX of XXXX customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint Mortgage did not pay hazard insurance out of my escrow. Every year we have the same problem and I have always had an escrow account. Last year I had to change insurance because they did not pay with agent and insurance company and myself sending them the info needed, which they already had with the escrow account. Same thing this year and they send letter stating going to put forced coverage on property. Been trying to get resolved for over 1 month with agency and insurance sending dec pages and all info needed - should have been finalized sooner. From last Monday, XXXX XXXX thru Friday I have spoken with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX - the last XXXX being Mgr and Director, who told me they themselves would not have handled so well that there was no excuse and they would have handled more harsh than I have. They have all the phone calls I made and also my agent. The agent and the Insurance company have Sent XXXX dec pages and info needed this last week and all they had to do was get insurance Out before Friday, which they did not do. Info was sent, I called and explained insurance was cancelling if not received by Friday but they still did not get out until Friday afternoon, which was too late. Shellpoint has said today XXXX/XXXX/15 they have called and told insurance company was on the way there and got the tracking number. ..of course all after the fact so I still have to confirm that I have insurance. None of them could tell me why with all info being sent numerous times and all my phone calls it did not happen. All they can say is that it should not have happened and that it is unacceptable. Yet this happens every year and they have my escrow money, which is almost {$2000.00} Shelipoint has caused me to have to pay higher premiums. I have never dealt with such an incompetent customer service department and my agent has stated same. Insurance company could not Get response from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Service, Inc
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from CREDIT SERVICE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SERVICE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
I sent a debt verification request via certified mail on XXXX/XXXX/15 and BCA financial did not reply to my letter within the XXXX days time frame. Because they are unable to verify this debt is mine by law they need to delete all negative information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Shellpoint Mortgage Servicing has failed to send statements/bill notices on XXXX occasions, once in XX/XX/XXXX, and again for XX/XX/XXXX. They are unavailable for contact by telephone, and have the usual convoluted call director that ends up on a " forever '' hold. They do n't accept online payments. It is my suspicion they are trying to set up some additional fees by charging for late payments. We had a similar problem prior to our HARP II refinance with XXXX Mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
I wrote XXXX about this dispute, but got no response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I noticed that my mortgage company - Shellpoint Mortgage New Penn Financial ) - did n't paid my 2015 property taxes to XXXX County Tax Office, XXXX NC. As a result the status became delinquent and I'am very concern that, this negative information may damage my credit. I contacted my mortgage company and they said, the taxes were disbursed on XXXX XXXX, 2015. Why then it does n't show on the County Tax website? I sold my house recently, and at the closing, the attorney informed me that my property taxes were not paid by Shellpoint Mortgage and as a result the closing attorney office will hold the check for the property taxes until it show that are paid. What should I do? Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 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: RGS Financial, Inc.
State: LA

Complaint narrative:
In XXXX of this year I noticed an account reporting on my credit file and by RGS Financial. I immediately mailed them a letter requesting validation and more information pertaining to this account. It 's been several months and they 've still yet to send any sort of communication pertaining to this supposed debt, however the account continues to report on my XXXX credit file.

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 2016-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MID-ISLAND MORTGAGE CORP.
State: NJ

Complaint narrative:
My mortgage company ( Mid-Island Mortgage ) did not give me the 6 % allowed sellers concession by the FHA guidelines. They only gave me about 3.5 % even though it was agreed that the seller would allow up to the allowable 6 %. I been after them for over a month asking as to why and they would not give me a clear answer. I had to speak to the branche VP and he said something was wrong and he 'll look into. Had a conference call between myself, my attn. and XXXX XXXX ( branch VP ) he stated my cash to close was incorrect and was suppose to be XXXX dollars, when I paid XXXX dollars and said he 'll find out what happen as well as why I was n't allowed the 6 %. That was the last I heard from him. He has not returned my calls or emails for the pass 2 weeks. I had to come out of pocket last minute at closing to pay for the remaining closing fees, which I should n't have if they gave me the 6 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Credit & Collection Corporation
State: TX

Complaint narrative:
I understand that I have a debt with XXXX but they have been repeatedly sharing my sister 's phone number with other agencies when I never supplied that phone number to them.

Company response to consumer: Closed
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Orions Management Group, LLC
State: VA

Complaint narrative:
I have been receiving threatning phone calls and messages from Orions Managment Group XXXX concerning a charge off on my credit history which was paid through another company in XXXX. The continue to threaten me and has advised me that legal action will be taken to collect the remaining balance? i have no record of owing any further payments or any letter concerning the new collection agency. I have never beeen contacted from Orions until XXXX and they continue to harrasse me. They have contacted my daughter telling her it was an emergency that they reach me. I have been upset every night with the fear of the threats. The last call came on XXXX XXXX, XXXX from someone named XXXX? The number came from a cell phone XXXX registered XXXX. The company number is XXXX. This account was opened in XXXX with XXXX. I did not learn that it had been charged-off until XXXX XXXX after the other company had taken my money. The companies name is XXXX XXXX XXXX XXXX XXXX. They took over a thousand dollars to settle this account. I did not know that this money was not being paid to XXXX until I inquired the status. That company misrepresented who they were and told be specifically that they were collecting for XXXX. Now, here it is another fraudulent company trying to make me pay again. Orion 's has threatening to send me a warrant for court. Please help to resolve this 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 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: First Data Corporation
State: TX

Complaint narrative:
I applied for a bank account with XXXX on XXXX/XXXX/XXXX and was told that I had something with Telecheck. So I contact telecheck to inquire. I was informed that I have XXXX checks to XXXX check number XXXX for XXXX on XXXX/XXXX/XXXX and check number XXXX XXXX on XXXX/XXXX/XXXX. I requested a copy of my report and was informed I had to provide my drivers license social security number address and a voided check which I AM not comfortable doing. I have no idea what bank account this is and have never wrote a hot check to XXXX.

Company response to consumer: Closed with explanation