vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: NY

Complaint narrative:
This property was listed on  XXXX   XXXX ,    2016. There are 2 mortgages on this property. We received an approval from the first bank and they agreed to pay the second bank Real Time Resolutions {$6000.00}. Real Ti me Resolutions asked for the payoff letter from the first bank and then declined the offer and request an amount of {$22000.00}. After going through a divorce, which left me with sole financial responsibility for the property, I depleted my savings trying to maintain the payments for as long as I could. I was then forced to sell the property after being unable to make the payments. I was unaware that my home was in an area that lost so much value. I never expected to sell at a loss since I had already depleted all of my savings. The home is in need of repairs however I currently have a buyer, that was approved by the first lien holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
A collection notice was received fr om Monterey Collections,  dated  XXXX  for the amount of {$500.00}. Notice indicated payment was to be received by  XXXX , the day the notice was received in the mail.   Called spoke to a lady named  XXXX   I tri ed to explain that I had never made that purchase. She indicated she hears this thousands of times and that because it was my name and address it was my debt. That she had proof in front of her that indicated it was my debt. ( invoice ) Once again I tried to explain and  XXXX  did not accept any explanations. Instead she threaten to report me to a legal institution and that my credit will be affected/ ruined for 10 years so that when I go ask for credit I will be denied.   I understand that the same excuses are heard everyday but I do believe each individual deserves to be treated individually. At least listen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: WA

Complaint narrative:
Tate & Kirlin Associates sent me a letter on XX/XX/XXXX stating I owed {$280.00} to creditor XXXX XXXX XXXX. I sent a letter disputing the debt and requiring disclosure of the origin of the debt on XX/XX/XXXX. No one respnded to my letter. I received a similar letter on XX/XX/XXXX with a different account number for the same amount. I sent another dispute letter and have no response. They call me every single day when Im at work. I answered once and the woman on the phone yelled at me, told me she was helping and I had to work with her to make a payment plan. She would not acknowledge my dispute of the debt or my previous letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I made a HORRIBLE mistake and decided take out a loan for {$1500.00} in XX/XX/XXXX. Every month, I 'd make the payments on time, paying {$110.00} every month. My 2nd to last payment with Regional Finance - ( XXXX, Texas location ), I purchased and sent in a money  order for {$110.00}, as I ran out of personal checks. On XX/XX/XXXX, I received countless collection calls, even though I told them I had mailed the money order on XX/XX/XXXX. Every day until today ( XX/XX/XXXX ) I received about 5 phone calls a day regarding this payment. I had provided them with the receipt number of the money order, proving I had purchased a money order. I was told that if they had n't received a payment by that Friday, I would be charged a {$10.00} late fee. I have NEVER made a late payment. I had been paying the {$110.00} religiously since XX/XX/XXXX. I asked if this fee could be waived, as the money order was lost in the mail or was just sitting on someone 's desk, never being processed. So, on XX/XX/XXXX, I ended up driving about 25 miles to make another payment,  this time by check. I presumed they received my check, as I physically dropped in off at their office, which was closed that day. Today, XX/XX/XXXX, I called to see if they had received my check and posted it to my account. One of the employees, XXXX confirmed that not only did they receive my check, they also received the money order I sent in on the XX/XX/XXXX. I asked if the late payment fee could be refunded, and XXXX advised his manager, XXXX said they would not be able to waive the late payment fee. I tried explaining that since the money order had a date of XX/XX/XXXX, that this fee should be waived. XXXX hung up on me, which made me FURIOUS!!!!! I 've been waiting to hear back from XXXX, but she has n't called me back, as she said she would. I will NEVER, EVER in life borrow money from such a greedy loan company like them EVER AGAIN!!!! It 's a real shame that companies like this treat their good paying clients in such manner, and I am APPALLED! {$10.00} just caused them to lose a good customer for good, and I will NEVER, EVER refer them to anyone I know, not even to a person I dislike. This company flat-out XXXX! <P/>Sincerely, ANNOYED!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
An account was placed under my name erroneously. Since then, BARCLAYS BANK DELAWARE has damaged my name, and my credit BARCLAYS BANK DELAWARE has entered derogatory information into my credit file. Multiple dispute letter has been sent and company failed to response and failed remove item from my credit file All document has submitted to the company.
FTC Report Number :  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 2017-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Kohl 's sent me a bill due on Sunday   XXXX   2017, a non business day. This was my first bill, and I only had a few days before the payment was due - an inadequate time to setup online bill pay. As the bill is due on a Sunday, I was unable to go to the bank to get cash to make a payment in the store. I paid the bill on Monday,   XXXX  2017 and was subsequently charged a {$29.0 0} late fee. This is an unfair business practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
I have been attempting to find out how much is due and they told me that they have to compute how much is owed and it will take several days for that to be computed. They have stated to me that they do not know how much is owed or what has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
XXXX   XXXX   XXXX   XXXX  sent me a letter on  XXXX   XXXX ,  XXXX  stating I owed {$280.00} to creditor LVNV Funding LLC. I sent a letter disputing the debt and requiring disclosure of the origin of the debt on  XXXX   XXXX . No one respnded to my letter. I received a similar letter on  XXXX   XXXX   XXXX  with a different account number for the same amount. I sent another dispute letter and have no response. They call me every single day when Im at work. I answered once and the woman on the phone yelled at me, told me she was helping and I had to work with her to make a payment plan. She would not acknowledge my dispute of the debt or my previous letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Good morning CFPB- I first want to congratulation CFPB for your good work. I am not the only one under attack. We need  Congress  to come to your assistance!  <P/> In  XXXX  I lost my   XXXX   XXXX   due to the economic downturn, which also dried up my   XXXX   XXXX   XXXX   XXXX  . My home loan was with   XXXX   XXXX   XXXX  , and they could have exercised one of  4 options : 1.  Putting the missed payments/penalties on the back end.  2.  Interest only with a balloon. 3. Conversion a  40 yr loan to a 50  yr. loan. 4. Complete write off. These are options applied to other customers but not to me.   I hired a lawyer from  XXXX  to act on my behalf, the result being  XXXX  slapped a sale date for  XX/XX/XXXX , and passed me off to  Shellpoint  Mortgage. In the  2  weeks I have been with Shellpoint they have switched the ( required  ) s ingle point of contact representatives 3 times, I have never been able to speak to any of them, and they do not answer their phone. And on  2  occasions, when I called into the general phone number, both times the call was disconnected mid -conversation. Starting yesterday, I faxed in the required docs, and all  3  fax lines were busy. This is a deliberate tactic to let the clock run out until the auction date   XXXX   XXXX  .   Further, the California  Bill of Rights for Homeowners  requires that a bank can not practice " dual tracking. ''  XXXX  did not abide to this rule and Shellpoint is showing signs of doing the same thing. My attorney at the time requested a 90 day suspension from this sale date but  Shellpoint  has not responded to his letter nor have they returned his calls.   Another issue is that homeowners have the legal right to access their investor.  XXXX  and Shellpoint both name   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  denies being the investor. Here is the language :   XXXX   XXXX   XXXX   XXXX   XXXX   as Trustee for the Certificate Holders of the  XXXX   XXXX . The pre-recorded phone number for  XXXX  also states they are not the investor.  XXXX   XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing, my payment due date is the XXXX of the month. As is required of all new mortgage servicers, a 60 day legal grace period is granted to all new clients who have had their mortgage involuntarily transferred. <P/>Per this law, my mortgage payments would not be delinquent until after XX/XX/XXXX. In violation of this law, I received harassing phone calls from Shellpoint Mortgage Servicing before the month of XXXX was over, in fact : - On XX/XX/XXXX, I received harassing calls from Shellpoint claiming my loan was in default. 
- I also received a letter from Shellpoint datedXX/XX/XXXX ( attached ), stating that my loan is delinquent. <P/><P/>I know that is a term that applies to loans that have gone approximately 4 months without a payment. Even if I had not paid by XX/XX/XXXX, I would be delinquent, not in default, default would occur around XX/XX/XXXX. <P/>Shellpoint also reported my loan as being late to the credit agency, that is also illegal, again, all my payments are due and owing on XX/XX/XXXX, the legal grace period for a transferred mortgage. <P/>Shellpoint need to follow the law and rules of transferred mortgages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
I never signed an agreement with this company and when I tried to settle the debt, the collector did not negotiate a price I could afford monthly! She told me I had to make an upfront payment to be able to schedule an affordable payment on  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
In  XXXX   XXXX  I sent a lette r to I.Q. Data International , Inc. as king for validation of debt with   XXXX   XXXX     XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  I received a letter stating the prinicipal due is {$7000.00}, copy of a lease that expired  XXXX   XXXX ,  XXXX  and a move out statement dated  XXXX   XXXX ,  XXXX . An expired lease and a move out statement that I did not sign or agree to the amount owed is not validation of debt. Beginning  XXXX   XXXX  I have been disputing the validity of this account with all  XXXX  major credit bureau s (    XXXX   XXXX   XXXX   XXXX    ).  All  XXXX  credit bureaus responded stating the account is verified. They also failed to provide me with documentation they received to verify the debt.     On  XXXX   XXXX ,  XXXX  I appeared in  XXXX   XXXX   Superior Court and agr eed to the prinicipal judgment amount of {$4500.00} owed to the   XXXX   XXXX    XXXX   XXXX   XXXX . This account has been reporting to all  XXXX  credit bureaus incorrectly since  XXXX   XXXX ,  XXXX . Attached are documents received from  I.Q. Data International , Inc.,  and the Agreed Judgment Summary dated/signed  XXXX   XXXX ,  XXXX  by myself, my attorney, the attorney representing the   XXXX   XXXX    XXXX   XXXX , and the Judge.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PR

Complaint narrative:
Credence Resource Mana h ad not lend me any money and they are billing me  XXXX    XXXX   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 2017-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have previously contacted the CFPB about repeated harassing t elephone calls from Navient. They have responded to my request to stop their calls through the CFPB. Navient responded on  XXXX /17 with the following response. " We do not have an account for you that we are able to locate, nor any record of your phone number in our system or calls to the number provided in your CFPB response. We have added your number to our do not call list. '' Navient continues to call my telephone number. Navient makes illegal harassing calls, and makes false statements to me, and the CFPB. Can any other federal agency address this issue. I can not be the only victim of Navient 's ill egal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Sin ce 2014 w hen I graduated from  XXXX   XXXX . I was inf ormed that Navient would be my loan servicer. Unfortunately this has been nothing but a headache. I had only started working this passed year. Between then and now. Navient has harassed me about my loans. They have even called daily if not twice a day. I also suspect that they have use many times a autodialer or robo dialer. On top of the harassment by Navient. The reps I have spoken to have never tried to put me in to any income based repayment plans. Furthermore there has n't even been any discussion of any options I may have. They just kept pushing me in to forbearance after forbearance. It was only after I had spoken to another company did I find out that I have options. It has come to my attention that there are a number of law suits against this company I have even wondered why an injunction has n't been filed against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Kentucky Higher Education Assistance Authority
State: TX

Complaint narrative:
I have several student loans thr ough KHESL ( Kentucky Higher Education Student Loans ) that have been consolidated through the Department of Education in  XXXX  2016. ALL of my loans are showing in FOREBEARANCE, DEFERRED, PAYING AS AGREEDetc. These loans should have been closed and ALL of my Credit Reports should reflect this. I have been battling this with the credit reporting agencies and this still has not been updated corr ectly and it is over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: TN

Complaint narrative:
In  XXXX  of    2016  we were cont acted by First Guaranty Mortgage Corporation about refinancing our home for a lower interest rate. One year later we have a negative escrow account to the tune of more than {$2900.00} and now our mortgage payments have increased more than {$200.00} per month for twelve mon ths. We have paid our mortgage every month on time and refinanced for a lower interest rate only to be punished with a mortgage payment that we can not afford.  XXXX   XXXX   XXXX   XXXX  is servicing the loan and has continually maintained that the problem occurred at closing with the refinance through  First Guaranty..

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 2017-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
On  XXXX / XXXX / 17 , I submitted a complaint to the CFPB in regards to an unverified debt. The company provided un-signed documents indicating I had a loan with a company via online. However, there should be other identifying information related to this account and this company has failed to provide. As part of my complaint the company stated a deletion was being submitted and the information should be removed from my credit profile within 30 days. As of today,  XXXX / XXXX / 17 , the account remains. The complaint in which this company responded is  XXXX  and the company stated " In consideration of the consumers confusion, and as a gesture of good will, we will issue a deletion to the bureaus on this account. Please understand that once we have issued a deletion to the b ureaus, it may take up to 30 days for entry to fall off of the consumer 's credit history. Please let us know if we can be of further assistance ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a student checking acco unt with Fifth Third B ank that I have had since my freshman year of college. I have remained a college student since, without taking any time off. Without my knowledge, and without the bank notifying me, my student status had expired until I went into the bank with a student ID to prove I was still going to college. Since the bank no longer considered me a student, I was being charged $  XXXX  month  for having the account. This expired in  XXXX   XXXX , and I did not realize until  XXXX   XXXX , by which time I had been charged {$11.00} for 5 months. When I realized this, I went to the bank with my student ID to show them I was still a college student. They renewed my student status, but I was still unfairly charged with {$55.00} total. I called customer service to complain, and they replied that they could only refund {$11.00}. After further complaining to th e manager, I was refunded an additional {$19.00}. However, I am still down {$25.00} that was unfairly stolen from me . I was being charged even though I was a student the entire time. I am currently workin g 45 unpaid hours per week at a   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . While it is a very minimal amount for the bank , {$55.00} is a substanial amount of money to me since I do not currently have an income.

Company response to consumer: Closed with monetary relief