vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
We have been trying to do a short sale for about XXXX years now. The first bank was taking forever and would not help us at all. Then our loan was transferred to Shellpoint Mortgage Servicing on XX/XX/XXXX. Shellpoint got the loan about XXXX days after that and was unable to have my real estate agent or short sale negotiator get any information about it. They called XXXX times a week to find out what was going on and Shellpoint only said EVERY SINGLE phone call that they 're waiting for my file to be in their system. It was n't until XX/XX/XXXX that they were finally told the file is in their system and to send in the short sale application. However, they said the auction date was XXXX/XXXX/XXXX. This was unacceptable. We 'd been jerked around by Shellpoint so many times with so many phone calls to them. My short sale negotiator submitted my short sale application on XX/XX/XXXX because that was the deadline to submit for the short sale to get started. They then said they 'd know on XX/XX/XXXX if my auction would be postponed. On XX/XX/XXXX, my short sale negotiator confirmed Shellpoint received my short sale application. On XX/XX/XXXX, my short sale negotiator asked if the auction date was postponed. Shellpoint said they wo n't know until XX/XX/XXXX My frustration went beyond maximum frustration when they told us that. Basically, they really are trying to make us fail. What sounds fishy is that they 'd asked my short sale negotiator to submit my application to another short sale group at the bank. This is not right. It 's as if they 're intentionally trying to have my short sale fail or they 've never done a short sale before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Accurate Background
State: FL

Complaint narrative:
Had issue with Accurate Background and submitted a complaint to CFPB case # XXXX for which I received a response. They circumvented the CFPB and failed to maintain them in the loop. They are asking for clarification of the disputed information which was quite clear in my letter and they are also want further clarification to my consumer statement I want added. They provided an updated report but it fails to contain my consumer statement even though they state they placed it and forwarded to there clients. I have mailed my XX/XX/2017 letter to Accurate Background via regular mail but feel I would get a timely response if I had the assistance of the CFPB to encourage a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-27 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: The CMI Group, Inc.
State: AL

Complaint narrative:
In XXXX XXXX, there was an account opened through XXXX XXXX that was opened in my name. I was unaware of this account until XXXX when I checked my credit score and saw it. The address labeled under the account was not mine and has become a closed liability on my credit score. I request that this be removed from my credit score.

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 2016-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
This company was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26 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: NY

Complaint narrative:
I was charged by XXXX for service and phones they did not provide me for almost two years. I finally switched to XXXX along with my original numbers and canceled XXXX after paying for nothing for years. Once switched to XXXX XXXX continued to charge me for phones and service I had with another company for months. Every time I called them to let them know I was n't a customer anymore they said a supervisor would call me immediately and never did. XXXX has tried to use a debt collector before to collect debts I do n't owe and they found it in favor of me. Now they are using a company that you ca n't understand the people, their phones crackle and have no service. I recorded our conversations because it was appalling. I told them I do not owe anything to XXXX and dispute the whole charge and they still tried to get me to pay over the phone. The company now that 's an absolute scam with the potential to effect my credit is Credence XXXX

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 2016-05-17 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: NY

Complaint narrative:
I have been in contact with company for over a year now regarding the debt they are trying to collect. I did not make the purchase they are stating I made so I am asking for some sort of itemized bill in which they have not given me. I have been asking every month when they send the collection notice and we are going in circles. I have received the exact same statement showing a balance. This issue is negatively impacting my credit and as you can see I have never paid a single bill late and this is reflecting poorly on me. Every time I speak to someone they are dismissive and just yes me and nothing gets done about my issue. As well the debt was first being collected by XXXX Bank then was transferred to JH Portfolio Debt Equities.

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 2015-09-23 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: MA

Complaint narrative:
I am about to retire. I went in to my credit report to make sure everything was OK. I found an item for a company credit card from years ago. Over the years I had paid much more on interest than I originally used on the card. The amount on the credit card was for {$20000.00}. I called the company on the credit report, ( JH Portfolio Debt ) which is a collection company. We discussed the matter over the phone and came to an agreement to satisfy this matter for the price of {$5000.00}. Check # XXXX from XXXX, XXXX, MA I sent them the money via a check over the Internet. They in turn were supposed to send me an email confirming this arrangement and that this amount was to satisfy the matter completely. This was two days ago and I have yet to receive a message confirming this arrangement. At this point I am leery that the company has simply cashed my check and taken no further action to resolve this issue on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Mortgage transferred to another servicing company ( SLS ), and have been having issues sending payments via bank check through bill pay how I generally paid mortgage without issues. Since SLS took over mortgage, I have yet to receive a statement over 60 days ; which should provide info I need to sent up bank bill pay. I have managed to send payment still through their XXXX XXXX method, but charges a fee ; which I find unnecessary. The only contact info I have and use to contact SLS was provided by previous servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I received a call to my cell phone, a number I have had for XXXX+ years. The company looking to collect debt, ( XXXX XXXX @ XXXX ext XXXX ) wanted information about someone named " XXXX '' at my number. This seemed nothing but a phishing scam ... am I wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: Blackrock Mitigation Group LLC
State: PA

Complaint narrative:
Blackrock Mitigation has people calling me, my work, my mother, my step father, ect. Threatening to serve me papers and saying if I am not there, it will count against me in court and that I will be shown as missing a hearing. The lady I spoke to on the phone said herself the gentleman calling me should not be saying these things. They refuse to inform me of who the man is or how I get a hold of him as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
This collection company called CBA sent me to collection without the notice to dispute the validity of the debt. This is a medical bill from a XXXX that was supposed to be paid by XXXX. This was back in 2011, account # XXXX maybe they were sending the bills to my former address, I have been in a very difficult financial situation, I am on XXXX. I saw this collection in my credit record. My original amount was {$630.00}, I called them today to make a payment arrangement but a lady told me that I owe them {$870.00}, that is {$240.00} more than the original amount FOR A MEDICAL BILL, THE AMOUNT IT 'S GOING UP EVERY MONTHI do not know if this is legal because I have not seen that before. I suggest that this Bureau audits this collection agency without notice and find out if they are violating the law. I can make a payment for the original amount but they have to delete this collection from my credit record since I did not had the chance to dispute the debt, I was thinking that this procedure was paid by my Insurance, if I knew about this bill and my insurance did not wanted to pay, I could appeal at that time their decision and have them pay the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MID-ISLAND MORTGAGE CORP.
State: CO

Complaint narrative:
Mid Island Mortgage mistakenly submitted my loan for a short sale. This was not initiated by me and did not have my approval/consent. In this process they ran my credit and, to add insult to injury, charged me for the credit report. The only reason I found out about this was because I received a letter stating they needed more detailed information for my loss mitigation application, which I never submitted. In addition, I received a call from an appraiser requesting to make an appointment to come look at the property. When I called Mid Island to inquire about the situation, I was told if the letter did n't apply to me, then to disregard it. I was told this several times as I demanded more information about how this mistake happened. I finally was transferred to the loss mitigation department and had someone verify that they attached someone else 's short sale application to my loan. I was not informed that a credit report had been pulled until the charge appeared on my monthly statement. I take my credit very seriously and am taking steps to build my credit score. I understand that when a credit report is pulled, my credit score takes a hit. This is irrevocable damage and can only be cured with time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 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 Credit Services Inc.
State: TX

Complaint narrative:
I signed up for a membership at XXXX and closed my membership in XXXX 2015 & gt ; I went in person to the gym in XX/XX/XXXX to submit written notice of cancellation and to pay off any remaining balance I owed. I paid with a credit card that day in person, and have a receipt showing that payment. I also have a paper they gave me that day which states that my membership was cancelled. Several months later, XXXX 's XXXX has now changed named to " XXXX XXXX '' and is attempting to collect {$43.00} from me, claiming that I did not pay final payment. I have notified the debt collector and provided receipts as evidence of my final payment -- I also included names of the individuals at XXXX XXXX who closed my membership and accepted final payment. I sent letters to the credit collection agency, XXXX 's and my letter to XXXX 's was returned to sender. They are avoiding me and I suspect fraud. This will ruin my credit! 

I would like to file a complaint for membership cancellation fraud and fraudulent billing practices. I gave them a final payment already in XXXX 2015 and was told I owed nothing further. yet, they continue to pursue me. I have read online that this is a standard scam of XXXX 's XXXX across the country!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 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 Protection Association, L.P.
State: VA

Complaint narrative:
After being a customer of XXXX for TV ( $ XXXX/month ) for 5 or more years, I became so frustrated with lousy reception and the need to change boxes or have a technician come to the house so often, that when a service person called after a weekend in XX/XX/XXXX if we had called over the day or two before that I told him that as of that time we were discontinuing service with XXXX. I figured that at most we had received 5 days of 31 possible days of service that month, and I sent XXXX a check for 5 of 31 days billing, totalling {$14.00}. This check was cashed by XXXX, but I was billed until XXXX, XXXX 
Furthermore, I called XXXX to pick up their equipment. No one came to the house, and after the XXXX call they sent a postage paid box for me to mail by XXXX their equipment. They received it, and the mailing took place in the XX/XX/XXXX. I never received any receipt for this. 
In addition, I have receipts for equipment loaned or rented to me by XXXX back to XX/XX/XXXX. 
I received bills from XXXX through XX/XX/XXXX, and on XX/XX/XXXX I received XXXX calls, presumably from XXXX but possibly from a collection agency in XXXX, TX, who began mailing me notices of my past bills and statements that my credit rating could be damaged if payment were not forthcoming. I received the XXXX written notice from the credit collection agency on XX/XX/XXXX. 
On a phone call of XX/XX/XXXX a woman asked if XXXX XXXX sent the cable box and equipment. I told her of my letters of XX/XX/XXXX and XX/XX/XXXX to XXXX setting out my position and verifying that I 'd sent the equipment as they requested. 
I spoke on XX/XX/XXXX to a representative of the credit agency and told her that when a human being from XXXX contacted me, I 'd be glad to communicate with him/her. As far as I know the credit agency has a copy of my original letter of XX/XX/XXXX to XXXX. 

The last printed claim against me for this bill from the collection agency was postmarked XXXX XXXX. I have not opened all the printed notices, but adjustments were made, and I am said to owe XXXX {$220.00}. 

I have had up to XXXX calls a day from the agency. Most I do not answer. A recording asks me to verify who I am, and says what the matter is, gives me a reference # and their XXXX phone #. From my standpoint the calls are a type of harrassment. Furthermore, XXXX billed me through XX/XX/XXXX, then adjusted a bill or XXXX, saying that I had had no service since XXXX XXXX. In the meantime their monthly bills had increased. 

I am asking if you think I am being harrassed. I shall be happy to print out my message to you and send it to XXXX. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: 21ST MORTGAGE CORP.
State: IL

Complaint narrative:
I purchased a manufactured home from XXXX XXXX XXXX/XXXX/14. it was a XXXX bedroom home that we origanly agreed to pay {$8000.00} down but XXXX XXXX asked us for an additional {$4000.00} down saying that we had to have a brick foundation in the area that we purchased the land do to the location building codes. With {$12000.00} down on a XXXX home we should have borro orrowed {$66000.00} with 26 year repayment of {$450.00} monthly. before the home was completed 21st Mortgage asked for a {$830.00} payment immediately before we completed any paperwork or received the first mortgage payment book. When I received the first payment book 60 days later it had a 10 % interest rate with borrowed amount of XXXX and monthly payment of more than {$82000.00} a month. When I spoke to XXXX and the mortgage company they indicated that the amount would be corrected and that never happended. Instead the threatening phone calls demanding the full amount of : {$820.00}. We also never received the accurate settle amount it sad we borroewed over XXXX on our credit report and when I called 21st mortgage again I got no correct answer. I estimated that paying 26 years at {$720.00} a month and being modist that the XXXX should include our property tax that 21st Mortgage has not paid to date, we would have paid {$220000.00} on a {$60000.00} loan. I have had to file with the bankrupty court not able to alleviate the issue and get true justice. XXXX also clearly allowed 21st Mortgage to rip us off and cause us finantual heart ache as well. I have enclosed some of the cdret approval letters that they kept sending in both my name and then my husbands while they changed the amount we should have been borrowing in a matter of days. We received over XXXX offer letters from 21st mortgage with XXXX different loan amounts up until the home was delivered with out notice to our land. Can someone please help me I ca n't even get a honest answer as to how much is owed on my loan toady minus the three year paymnt that has been made to 21st mortgage for the poast three years or the location of our property tax payments. I am enclosing documents that I have found so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Bliksum, LLC
State: SC

Complaint narrative:
I received a loan from LoanMe of {$3000.00} they took out {$490.00} the first month and {$360.00} the second month ( XX/XX/2016 ). I contacted them to let them know that I would like for them to lower my payments because I am experiencing financial difficulties, they have refused to work with me. I was told that they will not accept my comprise and wants me to pay back this loan. It 's their way or no way at all. I suggested lowing the payment, I was told that was not acceptable. They have refused any payments I have suggested and tried to make because it was not the {$360.00} they wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
Name of Creditor : Professional Finance Company Address : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX : XXXX, CO XXXX Re : XXXX XXXX Amount : {$590.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the 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 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Hello, I went into XXXX XXXX XXXX to pen an account, and I was caught off guard when the banker asked me if I was in the military.I responded no, because I have never been in the military nor do I ever plan to be. Two days later I went to XXXX Bank and attempted to open an account and I was advised that there is a theft alert on my social security number.I immediately went into to panic mode as I am moving out of the state XXXX in five months and do not need this stress. I immediately thought my identity had been stolen, I then went home and called XXXX. XXXX stated that they have no report of identity theft. I then called XXXX who explained that there if an XXXX XXXX freez on my social security number.The representative then apologized because clearly I am not on XXXX XXXX and the addresses did not match up with whomever actually needs the freeze, and gave me a resolution to solve this issue with experian only. XXXX XXXX XXXX stated this XXXX XXXX report came from CHEX SYSTEMS. I am requesting this be removed as I am and have never been in the military. I think this is huge mistake for the person who needs there info protected because that means his info is not frozen as he requested and its a huge inconvenience towards myself.If necessary I can provide verification of that. Chex systems also has a prior address incorrect, it has been documented as XXXX XXXX XXXX XXXX, XXXX Nj XXXX when the correct address is XXXX XXXX XXXX XXXX XXXX, XXXX Nj XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation