vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: RI

Complaint narrative:
My spouse and I called Shellpoint Mortgage approximately XX/XX/XXXX as we behind 2 months on our mortgage due to me recently being diagnosed with XXXX XXXX. We advised Shellpoint that this was a temporary setback and asked if they have any assistance programs. We were recommended to apply for a modification by the loss mitigation department. We were told a packet of paperwork would be sent out, and we were assigned a point of contact being XXXX XXXX XXXX Ext. XXXX. 

In the meantime, we did receive the modification paperwork that was time-stamped as being mailed to us on XX/XX/XXXX. However, we also received 4 letters demanding the past due payment amount of {$2900.00}, dated as being mailed XX/XX/XXXX, and an additional 4 certified Notice Of Default And Intent To Accelerate letters dated XX/XX/XXXX. 

To date we have reached out to our point of contact XXXX XXXX, and have yet to hear anything in return. Our modification packet was filled out and mailed to Shellpoint Mortgage on XX/XX/XXXX, and we followed up with a phone call advising so. 

Our fear is that we have had almost zero contact with Shellpoint Mortgage since our mortgage was transferred to them from Bank XXXX XXXX in XXXX, until now. And now, only since we contacted them asking for assistance, have we suddenly received letters of default and intent to accelerate letters. It seems like Shellpoint Mortgage is attempting to duel track by offering to assist us in applying for a modification while at the same time, proceeding to move forward in the foreclosure process by sending past due letters and intend to accelerate letters. Since mailing our modification packet and required paperwork back to Shellpoint Mortgage, nobody has yet contacted us.

As a side note, some of this struggle began when our mortgage was transferred to Shellpoint Mortgage last year. We were pomised a welcome packet including where and how to make payments. However, it took an excessive amount of time to receive any information from Shellpoint Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The bill pay system struggles to align itself with a biweekly pay schedule. My paycheck comes every other Friday and sometimes I am forced to change the time to align with my bills payment schedule. I changed my mortgage payment of XXXX from XX/XX/18 to XX/XX/18 so my payment would be on time. My mortgage was paid on the XXXX of XXXX and now again today the XXXX of XXXX. The double payment was the banks error. I opened the scheduled bill in bill pay and edited the payment date. This should not have occurred. I don't have the funds and my account is now overdrawn.

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 monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IL

Complaint narrative:
A company called enhance recovery continues to remove a debt they can not verify from my credit and keep adding it as a new collection, which is re-aging the account. Before I take legal action I will try to resolve it here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United National Services
State: OR

Complaint narrative:
These companies have reported incorrectly to my credit reports for years. Theyre only reporting negative information. It is a violation of the federal fair credit reporting act to discriminately report ONLY NEGATIVE INFORMATION!!!!!!!!! I have filed multiple complaints, multiple disputes and theyre response NEVER EVER EVER ADDRESSES THE COMLAINTS OR THE DISPUTE, and comes in the form of a form letter that says what theyre reporting is correct! How is this legal and how is the ok to do to people? This has got to change or I am going to the attorney general, and my state officials. The CFPB has done nothing to assist in the matter as well so as an exercise in futility and to improve my finger to screen speed, here I am filing yet another complaint against these companies. If it has not been stated clearly yet, the companies ARE DISCRIMINATELY ONLY REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORTS! Do I need to cite the actual law regarding this or do the cfpb and the people who receive the complaint at the creditors office actually know that this is not legal and violates the law?

Company response to consumer: Untimely response
Consumer complaint received 2018-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
as of XX/XX/XXXX capital one auto finance gave me all the information that i did not need ..i am looking for the full account number XXXX but there are 4 numbers missing that no one wants to give me that is why when i tried to settle with them through XXXX XXXX it did not go through and they told me to skip it .. all i want is all the numbers that they are keeping for themselves. to be able to settle with them ..that is why we are at a stalemate i am willing to give them something rather than nothing but it appears that they dont want to do that .if that is the case the account will be deleted by XX/XX/XXXX and they will get nothing.. i am trying to show good will toward them ..but i guess not .. if they continue not to work with me then we will see what my lawyer has to say

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
These companies have reported incorrectly to my credit reports for years. Theyre only reporting negative information. It is a violation of the federal fair credit reporting act to discriminately report ONLY NEGATIVE INFORMATION!!!!!!!!! I have filed multiple complaints, multiple disputes and theyre response NEVER EVER EVER ADDRESSES THE COMLAINTS OR THE DISPUTE, and comes in the form of a form letter that says what theyre reporting is correct! How is this legal and how is the ok to do to people? This has got to change or I am going to the attorney general, and my state officials. The CFPB has done nothing to assist in the matter as well so as an exercise in futility and to improve my finger to screen speed, here I am filing yet another complaint against these companies. If it has not been stated clearly yet, the companies ARE DISCRIMINATELY ONLY REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORTS! Do I need to cite the actual law regarding this or do the cfpb and the people who receive the complaint at the creditors office actually know that this is not legal and violates the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
These companies have reported incorrectly to my credit reports for years. Theyre only reporting negative information. It is a violation of the federal fair credit reporting act to discriminately report ONLY NEGATIVE INFORMATION!!!!!!!!! I have filed multiple complaints, multiple disputes and theyre response NEVER EVER EVER ADDRESSES THE COMLAINTS OR THE DISPUTE, and comes in the form of a form letter that says what theyre reporting is correct! How is this legal and how is the ok to do to people? This has got to change or I am going to the attorney general, and my state officials. The CFPB has done nothing to assist in the matter as well so as an exercise in futility and to improve my finger to screen speed, here I am filing yet another complaint against these companies. If it has not been stated clearly yet, the companies ARE DISCRIMINATELY ONLY REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORTS! Do I need to cite the actual law regarding this or do the cfpb and the people who receive the complaint at the creditors office actually know that this is not legal and violates the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX XX/XX/XXXX Experian has on my credit report Inquires shared that I did not approve or sign giving consent to the Inquires> Experian needs to remove the ones I listed and/or proof the source the document I gave them to consent to check or run my credit. I need document that shows my signature or remove from my credit file. Some Inquires I approved The ones I listed I did not consent to or sign as it shows the same companies running credit or dates I did not apply for credit. 

1 XXXX XXXX XXXX. XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX 3 XXXX XXXX XX/XX/XXXX 4 XXXX XXXX XXXX XXXX XX/XX/XXXX 5 XXXX XX/XX/XXXX 6 XXXX   XXXX  XX/XX/XXXX 7 XXXX XX/XX/XXXX 8 XXXX XXXX XXXX XX/XX/XXXX 9 XXXX XXXX XXXX XX/XX/XXXX 10 XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX 11 XXXX/XXXX XX/XX/XXXX 12 XXXX XXXX XXXX XXXX XX/XX/XXXX 13 XXXX/ XXXX/XXXX XXXX 14 XXXX  XXXX XXXX XX/XX/XXXX These companies I did not apply for credit in any way and who ever ran the credit did fraud and I need documents of my signature to these companies and the Inquiries Deleted/Remove.

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 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX XX/XX/XXXX Experian has Inquires in which I put in an opt out 2 years ago in XX/XX/XXXXand XX/XX/XXXX and Experian still has companies doing Inquires that was shared and I did not consent and opt out for all promotional and inquires. I have inquires on my file that show and I want them removed. 

1 XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 XXXX XXXX XXXX XXXX XXXX 3 XXXX   XXXX XX/XX/XXXX XX/XX/XXXX 4 XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 5 XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6 XXXX XX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 7 XXXX XXXX XXXX XX/XX/XXXX 8 XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 9 XXXX XXXX XXXX  XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9 XXXX/XXXX XXXX XXXX 2 SHOWING 10 TOTAL CARD 11 XXXX 12 XXXX XXXX 13 XXXX XXXX 14 XXXX 15 XXXX XXXX XXXX XXXX 16 XXXX XXXX  XXXX XXXX 17 XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 20 XXXX XXXX XXXX 21 XXXX/XXXX/XXXX 22 XXXX  XXXX 23 XXXX XXXX XXXX 24 XXXX XXXX XXXX 25 XXXX/XXXX XXXX 26 XXXX/XXXX   XXXX 27 XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX 28 XXXX/XXXX  THERE SHOULD BE NO INQUIRES ON MY CREDIT FOR PROMOTIONAL OR ADVERTISING BEEN GOING TI MY CREDIT FILE WITH OUT MY CONSENT OR EXPERIAN JUST LETTING ME NO BEFPORE MAILING ME GETTING MY APPROVAL OR CONSENT Experian has a lot of marketing going on my credit file I did not request or apply for. 
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 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX 's client XXXX XXXX is a victim of identity theft. Someone used her information to apply for an account with XXXX/PayPal without her consent. The account was established ( acct # XXXX ) and a formal dispute of this account was mailed to XXXX/PayPal XX/XX/2018, certified mail with return receipt. XXXX/PayPal received this dispute information however as of this date has failed to return a reply concerning the outcome of the investigation as outlined under the FCRA sec 605-611 which is a violation of my clients federal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson Cruz & Associates LLC
State: MA

Complaint narrative:
Received several voicemails for past month from this company since I never got anything in writing from XXXX associates it sounded like a scam. Plus my family members phone as well, one person said I won a cruise?? Another saying somone taking me to court XX/XX/2018 XXXX contacted at me at my job in regards to a debt from a student loan account, representative contact me saying it was a personal issue, explained they are a law office not a dept collection agency working for XXXX XXXX trying to contact me on my cell. When I asked not to call me at work there response was, since we are a debt collector we will take it into consideration but we can contact you at work if you wil not Work with us. Asked representative for a call back number which she provided. Advised I will call in 15 mins when Im on break. 

Called back at XXXX, a little later since I am at work! Reach another rep who said she was a supervisor this final landed on her desk today and the company they are working for is getting ready to take me to court. I got upset and asked who are they she explained, XXXX XXXX XXXX XXXX not a collection company a law office they have lawyers so they are able to call my job, phone or family members if they need to reach me at any time ... then went on to say she can settle a debt over the phone if I give a credit card. I explained I dont feel comfortable 1 ) I never heard about this debt. 2 ) I want something in writing 3 ) Im going to contact company before I pay anything. Her response during conversation, we will garnish your wages if we have to, asked for my social security number which I didnt provide since I have no clue who they are, said she will get a lawyer on the line. Asked for my job info, my response was the other representative just called my job why dont you know information? No response. And no they can not mail a letter but can email it including a settlement amount. If I dont pay today it will go up.i never agreed to an amount since I wanted to see something in writing. There is no company license number on letter. Took 30 mins to email letter. I explained once I receive letter and contact XXXX XXXX I will call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Unfair and deceptive practices Was sold a car that was mechanically unsafe due to prior accident. Car title may have been washed. Have emails stating car is 100 ok and warranty sold would cover eveything. Credit Acceptance Corp has verified this to be the case but is still stating Im responsible. Car also sold 2200 above book value with a 23 percent interest rate. Loan cimpany attempting to reach out to dealer to resolve complaint but because dealer wont respond they said is my problem. Loan date XX/XX/XXXX Email to dealer XX/XX/XXXX about mechanical issues, Diagnostic done by XXXX XX/XX/XXXXand XX/XX/XXXX, warranty company denied claim XX/XX/XXXX stating cars mechanical issues pre exsisting and known at time of sale. Several emails sent to finance company and requesting status of investigation but no response. Call several times for status no response. Car sale from XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX is Credit Acceptance Corporation in XXXX. I live in Florida Emailed complait to National Division of Motor vehicles, emailed complaint to Florida and Michican attorney General And now you Division of banks. 

Need help here pleade. Are several complaints on finance company deceptive practices but no resolve

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 2018-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Hi my name is XXXX XXXX, my loan is with XXXX XXXX they are the lender and Ocwen is the serviced. my loan is a subprime lending loan. each month i receive statements with different amounts for my monthly payment, also my interest was suppose to cap off at 4.5 from a modification from 2008 the interest has went beyond that and they are now saying my loan do not allow modifications, there is a lot of illegal stipulation attached to this loan. i need help, my back is against the wall they are trying to take my home saying my loan do not allow refinancing and i have no equity. XXXX XXXX has been in the spot light with senator XXXX XXXX, i need someone to help me get equal justice, they have made my owning a home turn into a nightmare. I have developed medical conditions dealing with these lenders, such as XXXX XXXX XXXX, i have been taken advantage of in the highest inhuman way. this is horrible what happen to me this subprime lending. i do not wish it for anybody. if it had not been for my belief in XXXX, i do not know how i would have made it thus far, XXXX is my strength in the mist of it all. respectfully yours, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Since the year XX/XX/XXXX XXXX, Experian and XXXX have reported two accounts that are not mine and I had no knowledge of the account 's existence until XX/XX/XXXX. I have continuously disputed the accounts ever since XX/XX/XXXX. XXXX  has done a wonderful job with respects to my rights as well XXXX own compliance with requirements for reporting information about consumers. Experian and XXXX  have shown me no respect and neither offer any evidence besides the word of furnishing companies being certified. I have talked to the customer service departments via telephone as well as disputing these negative accounts that have literally caused my life damage since XX/XX/XXXX. I see no other option beside taking legal action. The accounts I refer to are XXXX XXXX showing a balance of {$130.00} and XXXX XXXX that is showing a balance of {$900.00}.

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 2018-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have a XXXX XXXX line of credit with Wells Fargo. I have two different lines, one with a balance that gets charged interest and a no interest special terms balance. 
The issue is with the no interest special terms balance that needs to be paid in full by XX/XX/XXXX. I spoke to a customer service rep last in XX/XX/XXXX wanting to pay off the special terms balance. I was told that any amount that I pay over my minimum payment due would be applied to the special terms balance. My minimum due was {$210.00} and my special terms balance was {$190.00}, on XX/XX/XXXX I made a payment of {$400.00} to pay off my special terms balance. 
I received my XX/XX/XXXXstatement and found that Wells Fargo applied my over payment to the interest charge balance NOT the no interest special terms balance. 
I have no way to pay off this non interest special terms balance before the due date and will be charged all the past interest. I am being set up for failure and Wells Fargo will profit on all the accrued interest.

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 non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I received a settlement letter about a debt the company says I owe. My name is not spelled correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2018 I learned that my identity had been compromised and an authorized account had been opened in my name. I reviewed my credit report and found that, in addition to the unauthorized account, there were 4 unauthorized credit inquiries on my credit report. 

On XX/XX/2018, I wrote and mailed a letter to each of the creditors and explained that their inquiries were unauthorized. To-date, this has not been resolved and the inquiries are adversely impacting my credit score. 

FCRA requires furnishers to report accurate information and Reg B requires permissible purpose to pull my credit. None of the inquiries are accurate/authorized and neither of these companies had a permissible purpose. 

Further, a response is required in 30 days. I have provided enough information for both furnishers to complete a competent investigation, yet neither have corrected their mistake.

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 non-monetary relief