vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I called to try to settled a debt collection with the agency. The first lady name was XXXX XXXX. She was extremely rude and would not let me make a payment. She talked down to me, had an attitude, talked over me while I was asking questions, and she also hung up in my faced. I called a second time and asked to speak to someone else. The XXXX lady was even more rude and had an attitude and also hung up in my face. I ended up calling a total of 7 times and still received horrible service and still did not get to make a payment. They would not give me a new agent to handle my account and basically thought it was funny. I 'm appalled and feel very disrespected because I sincerely was trying to make a payment to get it resolved and they refused to accept the amount I was willing and able to make today and told me that I could not pay anything under {$1000.00}. It was a horrible and frustrating experience that resulting in me not being helped.

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 2016-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: OK

Complaint narrative:
I have a fixed rate conventional mortgage signed on XXXX XXXX, XXXX. This loan had a monthly PMI and with this I have my 'NOTICE CONCERNING PRIVATE MORTGAGE INSURANCE - INITIAL DISCLOSURE - FIXED RATE MORTGAGES '. There is an 'AUTOMATIC TERMINATION OF PMI ' clause on this disclosure. The automatic termination date was XXXX XXXX. Roundpoint Mortgage has refused to acknowledge this and will not terminate the monthly MIP nor will they refund all the unearned PMI premiums that I have paid since then. I have made EVERY PAYMENT ON TIME. I have been in the mortgage loan business since XXXX and I know the guidelines and when a Lender/Servicer is being less than honest. I have called and requested to speak to someone about this I was told I have to submit a request in writing. I did that and also sent a copy of my disclosure and request for a refund for the months I have paid sine XXXX XXXX, XXXX. I have since been told by RoundPoint that I need to get an appraisal first to verify that my loan is indeed at 80 %. I have been told by them that I do not need an appraisal because my PMI will terminate in XXXX XXXX, XXXX. I have been told by them that It will terminate in XXXX XXXX and XXXX. I have asked several times to speak with a supervisor and have never been given one. I have been places on hold for HOURS after asking for a supervisor and of course no one ever picked up the phone. This is frustrating to say the least. I have never been treated do poorly by a company that I felt the need to file an official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I got injured on the job in 2012 and went to the XXXX and had health insurance under worker 's compensation. Everything was covered by my plan however, now I am seeing on my credit report, that they are charging me and my wife {$1000.00} for a debt that was paid for.

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 2016-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions, Inc.
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: First Data Corporation
State: IL

Complaint narrative:
TeleCheck declined my check not based on money in my account but on their incompetent credit assessment. I have only tried to use a check with a merchant twice. The first time was with XXXX, the second time was today with XXXX, both times declined, both times more than adequate funds in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 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: Commercial Acceptance Company
State: FL

Complaint narrative:
XX/XX/2016 we closed a checking account at XXXX XXXX, XXXX, Pa. They charge {$10.00} to close, which we were not awaare of. Every notice unanswered cost us {$39.00} plus {$6.00} a day.t With penalties we now owe {$270.00}.! All our mail was forwarded but the USPO does not forward Bank mail. We did not know this, but I think the Bank must know it. We have excellent credit, and are very concerned about this. Please help..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc. (FL)
State: NC

Complaint narrative:
AR resources continue to verify a debt that they have yet to validate which is a violation of the FCRA. I ' requesting your assistance is getting this matter resolved fairly and swiftly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
Repeated calls from the number XXXX and XXXX. No voice mail left. When attempting to call back, automated response of " we can not transfer this call at this time. please call back at another time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Recovery Services, Inc.
State: AZ

Complaint narrative:
contacted by Financial Recovery Services ( XXXX ) regarding XXXX Credit Card balance of {$16000.00}, account No : XXXX dated XXXX/XXXX/XXXX. Never had or done business with XXXX. Obtained XXXX Report and there is no such account. However, receiving threatening calls and letter since 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 2016-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Universal Credit Services, Inc
State: MI

Complaint narrative:
Person calls my cell phone number and asks for my wife. I ask who it is, they give a first name and start asking for personal info before they can proceed. I ask what the call is about, what their company does, and they state for privacy concerns they can not disclose any information. I ask if they are attempting to collect a debt and again they state they can not disclose any information until we verify who we are. This has happened for months with the same result. Today I insisted they tell me what the call is about or what their company does and they hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd.
State: AZ

Complaint narrative:
I recently began to check my credit reports when I discovered a charged off account from Collection Bureau OF America alleging that I owe {$260.00}. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Collection Bureau of America responded to my validation request with an invoice alleging i owe a debt. They can not be allowed to simply invoice me an alleged I owe a debt. There is no agreement or anything produced as requested within my validation letter. Collection Bureau of America has not removed this trade line from my credit as requested. My request was submitted via certified mail with proof of delivery. This company continues to add damages with their violations of collection and credit reporting laws. I notified XXXX credit bureau of the dispute. Upon investigation the account was deleted. However, as of XXXX/XXXX/2015 the Collection Bureau of America is now reporting to XXXX credit bureau. They are also reporting a different amount stating that there is a debt of {$340.00}, and causing further damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Orions Management Group, LLC
State: CA

Complaint narrative:
My wife was contacted and notified that a XXXX was going to be filed against me in regards to an account that was not paid. She asked about the statue of limitations and was informed that the statue of limitations for this would not expire until XXXX XXXX because the last payment was made in XXXX of XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
XXXX was unwilling to cancel my account with them and charged me for a third cable box when I returned two. I paid for two boxes for nearly five years, I do n't keep my past bills but their were two televisions in that place of residence. When I called XXXX to ask for a copy of my last bill they said since I 'm not a customer anymore they do n't have that information on file. It took me nearly two hours to cancel my account and the person I spoke to was irate about it. In the long run, I never had a third cable box and they 're billing me for not returning that box.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC
State: PA

Complaint narrative:
Previously an account showed up on my credit report from XXXX, I asked them to verify this account since I never had an account with them. They were unable to verify it and removed it from my credit reports. Now this company, JH Portfolio Debt Equities is trying to collect on this same account. I have sent them letter via certified mail disclosing the laws and I need verification. They were unable to furnish any documents to me so far and it has been 45 days. This is a clear violation of the debt reporting act. Their phone number is listed as XXXX on one of my reports. I want this removed from my credit reports as this account is not mine.

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 2017-01-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BCA Financial Services, Inc.
State: NY

Complaint narrative:
I am filing a complaint on BCA because they are reporting a collection on my credit report with the partial account number XXXX. This collection does not belong to me. My twin sister and me have the same name and obviously the same date of birth. I have disputed this account with the credit bureau and they have not removed it even though my social is not the XXXX reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am in default on a mortgage made originally to XXXX then purchased by XXXX. I was working with XXXX on a Short Sale on the subject property due to financial difficulties. During the Short Sale process the loan was sold to Shellpoint Mortgage. I understood the need to begin the Short Sale process over again and did so. Completed paperwork XXXX times as each time due to Shellpoints delay the paperwork had to be updated. Was approved for the Short Sale then Shellpoint held up the process. Buyer walked a way in frustration. Then agreed to do a Deed in Lieu. This last action was agreed to over XXXX months ago. Shellpoint provided a list of items they required for the Deed in Lieu. We met each condition. One condition was to remove all tenants from the property so that they could take over the property with their own management team. We vacated the property which meant no income coming in. This was over XXXX months ago and Shellpoint has yet to move on the Deed in Lieu. Only stating to us that paperwork is in process. Shellpoint is adding interest and property management fees to the total owed each month. They refuse to communicate via email or in person. They do not answer their phone and require you to leave messages which they do not return. If they call they do not leave a message. They only send a monthly statement with fees added to the amount owed. We are willing to do the Deed in Lieu or Foreclosure but they refuse to move with regard to completing the process. We are at a loss on what to do. This is very frustrating to say the least. Do n't know where to turn or how to move on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 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: Convergys
State: VA

Complaint narrative:
My account was passed on to Encore Receiveable, once I was contacted by mail I replied with a letter stating this account is being disputed. I also asked for any further contact to take place by mail. They received this letter on XXXX XXXX, 2015. They continued to call me, to the point of 50 times by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ASTORIA BANK
State: VA

Complaint narrative:
To Whom It May Concern : This letter is an explanation of why we are requesting a short sale of our current home to Astoria Bank. My spouse was laid off due to a reduction-in-force from her job in XX/XX/XXXX. When this occurred I requested a deferment of payments for a few months and a loan modification to be applied to the end of my mortgage loan. The request was denied even though I had given Astoria all the necessary information requested ( hardship letter, pay stubs, bank statements, taxes, budgets, bills, and letters of explanation ). To further increase the severity of our financial situation at the time we had a rate adjustment on our current loan, which increased the mortgage by additional {$1500.00} dollars. 

Since then my spouse has been unable to find steady work and has been taking temp jobs to try and assist with helping to make ends meet. We did not think that it would be this difficult for her to find employment which would sustain our household, but it has. We have drained our bank accounts checking and savings to almost non-existence and have only been able to make payments up until this point by borrowing from friends and family to help us make our mortgage payments and to make ends meet. 
Early XX/XX/XXXX we pursued the short sale avenue, received an offer on our home and have submitted a short sale package again to our mortgage company Astoria Bank, which is trying to use deceptive practices to deny this transaction, by requesting the same paperwork over and over again. They are coming up with reasons to deny the short sale, which we will have no course but to continue down the foreclosure route. We have provided ( hardship letter, paystubs, bank statements, taxes, budgets, bills, letters of explanation, and two years ' worth of data ) and they still request more and say the package will be denied. 
We can no longer support the payment with XXXX steady salary in our household. This has been great financial burden on our family and very stressful time in our lives. Our household incomes as I have mentioned before has been reduced of 46 % of take home salary and an increase of 80 % on our mortgage loan, with another pending adjustment coming. We are customers in good standing currently with this bank, and have never missed a payment, but this has now come to where we have drained every dime. We tried to get the process completed before our bank account became empty, and a year later Astoria is being very difficult ; The bank drawing this process out seems as if they want to force our offeror to withdraw and force foreclosure which makes no sense to us. Our realtor says they have never seen anything like this ever, and believe Astoria is being deceptive in their practices. Please let us know if there is any action we can take as consumers against such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: JH Portfolio Debt Equities, LLC
State: NY

Complaint narrative:
XXXX uses deceptive and abusive business practices. Made Phone calls to my work. 
Waited 20 days to Tape a Notice of Commencement of Action Filing papers on my front door with all my information and details displayed for the public and all to see and read. A friend who came to visit read the posted notice and alerted me at work. I immediately left work early to come home and remove the notice from my door. As soon as I came home, my neighbor informed me that he had read the notice and was going to call me. It was embarrassing! I immediately took a picture of the posted notice

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 2017-01-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: North American Credit Services
State: FL

Complaint narrative:
XXXX Hospital has repeatedly repeatedly turned my medical bills over to collection. They now have sent this ONE AGENCY XXXX BILLS. They have been told by me a million times that I have XXXX through the state of Florida as a secondary insurance and they are not submitting these bills there. They immediately turn them over to collection, then I am harassed by the collection agencies and my credit continues to be destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I had a Bank XXXX mortgage in good standing until XXXX XXXX when the bank failed to post a payment for that month ( XXXX XXXX, we later learned the check had not cleared our bank ) and subsequent payments made on time, were credited to the previous month, making the current month to show delinquent. Bank XXXX transferred our loan to Resurgent Mortgage in XXXX XXXX and Resurgent discovered the mistake and other posting errors that showed the account 60 days delinquent and reported to credit agencies, destroying my credit. The documentation was finally obtained from BA in XXXX XXXX and resurgent offered to do a Loan Modification in order to bring the account to 'current status ' providing we made two months payments for XXXX XXXX and XXXX XXXX, which I made. We completed the Loan Modification documents and submitted them to Resurgent in XXXX XXXX and was advised not to make any further payments until we received the Modified Loan documents. Subsequent communication with Resurgent was not possible by email, fax or phone and we never received the Loan Modification. On XXXX XXXX, XXXX I received a Certified Letter from Shell Point Mortgage Servicing notifying me my home was scheduled for foreclosure on XXXX XXXX, XXXX. My attorney and I made several attempts to resolve the delinquency of {$280000.00} but we informed they could not respond until they officially received the Loan Modification documents which we had send via email on XXXX XXXX and again on XXXX XXXX. On Friday XXXX XXXX we were told they had not received the documents and the five day provision for stopping the foreclosure has passed and the foreclosure could not be stopped. My attorney advises my only alternative is to file personal bankruptcy to stop the foreclosure, which I intend to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: A/R CONCEPTS, INC.
State: IL

Complaint narrative:
Never got a formal letter of debt. No messages left for what debt it was for. Finally I spoke with someone at debt collectors. They finally sent letter for debt. I sent payment in form of XXXX XXXX for total due.Never processed payment and placed on credit report as a collection. ( Please note I never answer my phone and/or return calls unless I know who is calling, too many scams ) If they would have sent a formal letter the XXXX time this payment would have been made. As when they did, when I finally spoke with them. I made payment right away within couple days of receiving the XXXX and ONLY Letter they sent.

Company response to consumer: Closed