vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I have been in the process of obtaining explanations for questionable activity on my account. Obtaining a valid explanation has proven to be a daunting process until I filled my last complaint through the CFPB. Now that a line of communications has opened up and Shellpoint Mortgage Servicing company is willing to start addressing the customer service errors, I have drafted a list of the banking transactions and personal customer service errors the account has experienced. 

Please find a RESPA Qualified Written Response letter laying out the concerns over the accounts servicing errors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Accounts Management, Inc
State: SD

Complaint narrative:
I sent this company a letter requesting debt validation in XXXX, this company never responded to my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 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: The CMI Group, Inc.
State: OH

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PMAB,LLC
State: NC

Complaint narrative:
I have submitted requests for this account in the past and have not had it removed previous complaints has stated that a universal data form would be sent to my email at XXXXXXXXXXXX i have not recieved it and it is still reflected on my XXXX credit report can you please look into this and email me or comuncate with XXXX to finally get this fraudulent account removed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
XXXX XXXX, 2016 Attention : Consume Financial Protection Bureau RE : ShellPoint Mortgage Service Corp. 
XXXX XXXX XXXX, XXXX XXXX Subject : Loan Modification [ XXXX ] Loan # XXXX To Whom It May Concern : My name is XXXX XXXX, I 'm filing an official complaint against the ShellPoint Mortgage Service Corporation who contacted me two months ago regarding my loan that is now in their possession. I attempted to work with them by letting them know that I would like to modify the loan to an amount that I can afford but they informed me that I can only do the following a repayment plan, short sale, transition assistance or pay the loan off completely. They are unwilling to work with me. 
For over five years I was contacting XXXX XXXX XXXX, to attempt to modified the Loan and every occasion they were refusing to speak to me because my name is Not on the Loan. My deceased husband XXXX XXXX XXXX was the only name on the Loan Note and I hold the DEED of TRUST in my name. 

In last two months after I received a several letters from ShellPoint letting me know that they are now handling the services on the loan and they are unwilling to work with me to modify the loan so I have contact XXXX for them to me assistance in Modifying my loan. 
XXXX XXXX XXXX is the Loan consultant and contact person at XXXX who is trying to work with me on this matter. However, ShellPoint continued to refuse to provide XXXX or myself with any information on the loan because XXXX of their ShellPoint rules, unless I take actions on their recommendations which are the following : repayment plan, short sale, transition assistance or pay the loan off completely. 

XXXX is working on a modification plan which will allow me to stay in my home that my deceased husband and I purchased together. I really want to stay in this home, I am retired and over the age of XXXX and with my retirement checks I have the means to make payments on my home as long as the loan is modified. 

Please advice me of my rights in this matter and I hope with your assistance and support it will allow me stay in my home. 

Again, Thank you in advance, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Email : XXXXXXXXXXXX

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 2016-09-13 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: FL

Complaint narrative:
My insurance company XXXX XXXX did n't pay the full amount which was a mistake on their part so I was put in collections for remaining balance. Since then XXXX XXXX has paid the full/agreed amount and transunion has taken the collection off but XXXX has not taken collection off.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation
State: TX

Complaint narrative:
WE opened up Business account at XXXX XXXX XXXX in XX/XX/XXXX. They referred us the First Data for merchant processing. First data closed our account in XX/XX/XXXX ( same month as opened ) and there was {$3500.00} in our account with First data. They said we have to wait 90 days for our money. And they have n't sent our money and wo n't respond to our emails or phone calls. No Im on the match list also. I did n't do anything wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Global Credit & Collection Corporation
State: PA

Complaint narrative:
XXXX XXXX from Global Credit and Collection Corp. continually calls my employer, even after being told he can not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
This company has been continually calling my house and I do not owe any money to them. Someone will call now and just breathe or not say anything on the phone. I told them two years ago to stop calling. I had a XXXX and my medical bills were paid through insurance, so I want the daily calls to stop. They have called everyday for two years. The company 's name is receivable solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 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: First Data Corporation
State: AL

Complaint narrative:
This company has been notified that my father was a victim of identity theft. He had checks stolen from a third party known to him and used in various businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: First Data Corporation
State: VT

Complaint narrative:
I work for a Company that does business with XXXX XXXX XXXX XXXX. XXXX provides SPIFF 's as bonuses to the sales people. Money Network is the provider that XXXX uses to distribute these bonuses. In XXXX of this year I received XXXX debit cards from Money Network and I activated them on-line. On XX/XX/XXXX XXXX made a deposit of {$75.00} into XXXX of my cards as a XXXX bonus. XX/XX/XXXX I attempted to access my bonus funds and had the card declined. I called Money Network and was told that I had to fax a copy of my social security card, drivers license and passport to verify my account. I did not want to do this and sent a request to have XXXX help me and was told by them that I had to deal with Money Network. XXXX would not help or change their policy to send bonuses to an account of my choosing. I called Money Network again and had to fax the documents to them. About a XXXX later, I called Money Network and was told the accounts were still locked because now they needed proof of my physical address. I faxed them a copy of my last propane bill on or around the XXXX of XXXX. I called them back around the XXXX and they stated that they had not received it and I needed to fax it again. I faxed it again on the XXXX of XXXX and called back on the XXXX, still they had not received the second fax. I asked if I could get an e-mail address to send it and they refused. I asked for a supervisor and was given an e-mail address and sent the bill on the XXXX of XXXX. I called today and my accounts are still locked because the bill is now older than XXXX days. It was dated XXXX XXXX the date of my last delivery and now unacceptable. When this all started it was well within XXXX days and by all accounts is only just over by XXXX days now. I wo n't be getting a propane delivery again until fall. I think I have been more than patient in attempting to access funds that are unquestionably mine. I need to have help in convincing Money Network to unlock my XXXX cards and allow me access to these funds before they start charging monthly maintenance fees. Thank You!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
I received a collection letter from American Medial Collection Agency for XXXX. Already explained that at the time of the service paid my percentage and the insurance covered the balance. They are still insisting for me to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: NJ

Complaint narrative:
First Credit Services is trying to collect a XXXX Debt, that i settled, and paid off to 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 2016-10-20 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: KS

Complaint narrative:
Initiated money transfer of {$10000.00} from US to XXXX through Remitly ( Transfer No : XXXX ) on XXXX XXXX 2016. Remitly has promised that the money should be available in XXXX account by XXXX XXXX, 2016 XXXX PDT ( XXXX XXXX, 2016 XXXX IST ). The said time has passed. Remitly is saying delay due to some system issue. 
I had my plans & commitment in XXXX. Now Remitly is saying that the money will be available by Tuesday XXXX XXXX which will be too late. I want CFPB to intervene & compensate me for the delay. Remitly has offered {$5.00} reward for the delay which doesnt make any sense considering the transfer amount. Remitly will generate more income by keeping this amount.

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 2015-09-27 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I am writing this as a customer who feels as though Advanced Financial is ripping their customers off, I had a loan with this company off and on for two years it was an installment loan, well recently went into the store to renew it as I did n't have all of the money to pay and was told I had to switch over to their Flex loan or pay the balance in full, so I did. I have paid this company almost XXXX on a XXXX loan and only XXXX has went to my principle ... they charge customer s over 200 % in interest but word the contract and the flyer they give you is very misleading. I also revoked authorization so they would not draft my bank account and they continue to do so. I do n't understand how thi can be legal. And if so I think someone should look into this and regulate the laws. I kniw this company has had several complaints regarding these new flex loans and ripping people off, also forcing customers to switch over to these loans should also be against the law. You make a payment of XXXX and only XXXX goes to principle and the rest to fees and interest, the present the flex loan like a credit card and I have those and the definitely do not work they way this company is telling their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Data Corporation
State: NJ

Complaint narrative:
We are repeatedly getting collection calls from TRS Recovery Services. The one time that we have called back and were actually able to get a person, they will not tell us what the nature of the debt is, who they are trying to collect the debt from, or give any other information that would be helpful in resolving this issue. When we receive calls from this company, normally we can not get a response from anyone and eventually it disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sending another complaint because i am becoming extremely concerned about some misinformation that is reporting on my credit report. I have been waiting more than 60 days, I have sent a second complaint and I have disputed this companies response and yet I still do not have a proper resolution to some incorrect reporting on my credit report. 

Experian is reporting false negative items to my credit report damaging my creditability with all of my financial institutions. I would like to extend another complaint to the CFPB with high hopes that my situation will be elevated to a more invasive investigative unit. I am highly concerned that they are continually shutting me down and refusing to properly investigate and validate their wrongful reporting and this process is taking so long that it has left me financial paralyzed. 

1. XXXX XXXX card # XXXX is reporting XXXX late payments and that is absolutely false and I would like the CFPB to join forces with XXXX and properly verify this misinformation immediately. 

3. XXXX, XXXX is an account that has violated consumer safety and protection laws against me as a consumer and has to be deleted for falsely and illegally reporting to my credit report with your company. They are in violation of FDCPA laws and are currently under federal investigation for threats, abusive conduct and illegal documentation and non-debt validation. 

4. The TAX Lien was withdrawn from my name and I DONT REQUEST INFORMATION SUCH AS MY NAME TO BE VERIFIED! I have repeatedly asked them to stop sending me generic and uneducated responses verify silly things such as my name and such. I have told them that there are court orders from 2011 withdrawing these invalid liens. VERIFY THAT OR DELETE THE TAX LIEN immediately because you are ILLEGALLY reporting it! 

I will not take ANOTHER generic response as a form of validation of my disputes. Correct these XXXX items immediately, I will not stand for any lack of proof, investigation and evidence which I am requesting as my right by LAW. That is not a proper reinvestigation BY ANY TERMS! I can not afford to wait any longer, it has been way too long, too tedious and I fear as though someone at Experian is purposefully making this hard for me. I want this information corrected, and nothing else. This is my life. Please ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
This company reported to my XXXX credit reports an account and after disputing it about a year ago, all XXXX credit reporting agencies deleted the account on or about XX/XX/XXXX. On XXXX XXXX and XX/XX/XXXX, the same collection company started sending me demand letters AGAiN. Last week I realized they illegally and purposely re-reported to the credit reporting agencies, resulting in my score dropping XXXX points. This also resulted in a home loan application being denied. I disputed the account with XXXX and they deleted it AGAIN, the next day, XX/XX/XXXX. I then received a XXXX demand letter from them. Although they refer to themselves as Retrieval Masters Creditors Bureau , Inc, they have the same address, account, amount, etc. As the original collection company that I originally disputed and was subsequently deleted by the XXXX credit reporting agencies. 

I have all my records and proof of their shady dealings And putting them on notice that I am retaining an attorney to Pursue them for financial compensation for the time, inconvenience, defamation and financial injury from their deliberate actions. Not to mention, filing a complaint with the state General Attorneys Office for illegal and unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: DC

Complaint narrative:
I was contacted by American Medical Collection Agency ( AMCA ). AMCA violated the Fair Debt Collection Practices Act in several ways. AMCA did not give me notice of my right to dispute the debt. AMCA did not give me enough information to verify the debt. AMCA refused to provide me with the address of the original claimant when I requested it. I would request that the CFPB take any and all measures against AMCA based on their violation of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have had Ocwen for my mortgage since XX/XX/XXXX when they bought my loan from XXXX. It has been a complete mess ever since. I called for a payoff quote XX/XX/XXXX and then again XX/XX/XXXX. When I received the pay off quote in XX/XX/XXXX the pay off was higher than the one in XX/XX/XXXX, so I called Ocwen for clarification. After trying to speak with numerous people that have no clue what they are doing ... I hung up and called back and actually got someone with some sort of a brain. She preceded to tell me I was 4 months behind on my mtg. I said to her I have never missed a payment in 10 years so where are you applying my payment? So I found out that in XX/XX/XXXX my payment increased but they were not allowed to contact us due to Bankruptcy laws. So for the last 5 years we have been mailing in the wrong payment amount. I am in the process of closing on a new home in one week and because of this Ocwen is not reporting it at all on my credit and my new home is on hold! Ocwen is ruining this for a lot of people! So one needs to stop them ... this is why there are so many forclosures put there!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Denied a Harp

Company response to consumer: Closed with explanation