vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
My x stopped me from making payments at XXXX XXXX at XXXX i already had a modification in place he changed my mail go my banking info.and personal info he refi.with out me knowing he got lines of credit he took my name off the note so i couldnt refi.it went to XXXX XXXX then he refied against n in XXXX XXXX XXXX found fraud on his paperwork the it went to shell point sevicing my fiance and i tryed to refi and was approved.my x was told by the court to sign off of the house he has not shell point refused my XXXX payment to pay off the house which i only owe XXXX the extra XXXX was a line of credit uses by my x.shell point wants to forclose at auction on XX/XX/XXXXto forgive the debt since shell point refused pat ment or my mod. I did througXX/XX/XXXX my home.ive spent over 10,000.00 on a attorny that didnt do anything.im trying to get a volenteer attorney to go to fed court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: AZ

Complaint narrative:
My Union Home mortgage escrow payment has been incorrect for two months. I submitted a request to have this reevaluated on XX/XX/2019 and was provided an incident number XXXX. The escrow is still incorrect. I have called multiple times for resolution and nothing has been done to fix the situation. Customer service is difficult to reach with hold times exceeding half an hour. Every time I speak with a service representative I am told they will get back to me in 5-7 business days. Nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account belongs to someone else and it's reporting on my credit report. This account never belonged to me and I want it removed off my credit report.

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 2019-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XX/XX/XXXX, family member contacted by a company called XXXX XXXX. XXXX XXXX XXXX regarding a credit card from XXXX. Account has been written off a long time ago. She gave an amount and said she was calling in behalf of Bank of Barclays. sHe did give me a supposed balance due and a settlement amount figure. As I asked more about this debt, she became very rude. Then she said I had a choice to settle or go to court. I was being served if I didn't handle debt today. I was hung up on as I asked more details on who the debtor originally was with and can i have a contact number. I called back to speak with the person and she proceeded to tell me she was not up for discussion. All information was verified and they were going to serve me. Believing this is a collection company trying to strong arm me into paying them something because they bought the bad debt. i agreed to pay a settlement amount and set up payments. a form was sent via XXXX and i signed it thinking everything was legit and money would be drafted. today i received a called from unknown that says : This is XXXX with XXXX XXXX contacting me on a complaint case. She said i had discussed with them on arrangements of XXXX. ( I intentionally scheduled payments on paydays to make sure funds was in the account. ) She stated the case is now active again because the installment was declined. if i don't contact them by XXXX to settle, i will need to appear in court. they left a number of XXXX ext XXXX. This number does not even work. I have called multiple times from different phones. Now I think, I have been set up and this is a scam.

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 2019-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I will refer to XXXX/CitiBank as a single entity as both parties are responsible and neither has taken any action to correct the issue. In XX/XX/2018 I was charged a {$2.00} fee on an Instore XXXX   credit card by CitiBank. I had not used the card in some time and was unaware of the existence of any fee. Without making a single purchase the fees kept compounding and eventually reached a balance of {$220.00} dollars. The entire amount was based upon late fees that originated from a {$2.00} dollar fee issued by XXXX. XXXX made no attempt to contact me and alert me of the fee. My XXXX card was closed and I received a negative credit report that subsequently decreased my credit score. 

As soon as I became aware of the beforementioned excessive balance I paid it off despite the fact that the fees were not valid. I paid it off in attempt to limit the damage done to my credit. I attempted to get assistance in correcting the fees from both XXXX and CitiBank but neither provided a resolution. After doing some research it appears this is a common issue with customer of XXXX/CiitBank. I saw numerous similar reports on the Consumer Financial Protection Bureau website.

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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've contacted Equifax on a number of occasions to dispute the Chapter XXXX on my credit report and I have also explained to them that XXXX and XXXX  do not have a chapter XXXX on my credit report and the representatives and supervisor all say that they are following the law and they can keep an I item on a consumer 's report for 10 years. How does this benefit, Equifax? Why would an agency allow a credit reporting company Equifax to hold consumers hostage? XX/XX/2019 will be 10 years since my Chapter XXXX has been discharged. It is my request that CFPB insure that Equifax removes the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have been trying to obtain a mortgage and I was informed of an account that is shown as charged and closed with an outstanding balance. I immediately called HSBC regarding this and I was informed by them that I am not authorized to speak to them because I am only and authorized user on the account and not the account holder. When the account holder called and asked that something in writing be sent to me to show I am not responsible for the payments, she was then informed that nothing can be sent with my name on it because I am again " just an authorized user '' HSBC has messed with my credit regarding this account and had done nothing to help fix it. It was never even reported to my credit report that the account has been paid off. I asked to speak to a manager regarding this on going issue and was told he was not available and left my number for them to call and never received call back. This has taken place over multiple days within the last few weeks. The last call that was made to HSBC wad on XX/XX/2019 and I believe another call was also made in XX/XX/2019. I believe there was also another called made but do not recall the date. The only thing this company has done is send a letter to ny mother who is the account holder saying the balance is XXXX however there's nothing on it to show I am not responsible for the payments but it is still reflecting on my credit report. The company said they would bullseye it however I see no reflection of this. The company has made me liable for this and it has now injured me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Please see attachment. 

XXXX XXXX has reported inaccurate information to XXXX   credit agency. I would like them to provide me with their ledger on my miss payments. My records indicate I was never late on the days they are reporting. 

Thank you and have a great day.

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 2019-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
The vehicle was promised to put payments on the back of the loan ... when I went to sign the file documents they added more fees after car had broken down six times and couldn't afford to pay their astronomical fees added which were not agreed.. I was taken advantage of and this is robbery ... the car was also stolen ... and repossessed ... I lost my job as a result and thrown out of my home and cr dit ruined ... this is a misjustice ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: GA

Complaint narrative:
FINANCIAL RECOVERY SERVICES, INC On a letter Dated XX/XX/2019, In a written letter stated that I owe them {$1000.00} Dollars. I do not owe this debt and sending a written dispute concerning their written letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A victim of identity theft. Tried to handle it through the bank they said they have no history with me having an account or anything even given my ssn and still no trace of me next you thing I go into the bank and they said my account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've disputed this account before and it was removed then put back on my credit. I called this company to show proof of the account being mine like providing a signed contract with my signature.

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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. )  This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
applied for XXXX  XXXX XXXX- {$2300.00} Date of loan-XX/XX/XXXX XXXX XXXX XXXX- {$3800.00} Date of loan-0XX/XX/2013 XXXX XXXX XXXX- {$1400.00} Dat of laon-XX/XX/2013 XXXX STAFFORD SUBSIDIZED- {$2700.00} Date of loan-XX/XX/2013 After withdrawing from classes because of my mental impairments ( im XXXX ) navient placed all my loans into a grace period ( XX/XX/XXXX ). Following the grace period my loans were placed into forbearance three times and into repayment four times ( not income driven repayment plan ) until finally I was told about the income driven repayment plan, unfortunately however this is where things turned bad. I wasn't told about the re-sign up date once a year and subsequently my credit score and my life suffered. I called navient to let them know I was XXXX again and submit documents for proof which failed due to customers service bad information. I called again to let them know I was XXXX but was told nothing about XXXX discharge until I asked during my third phone call. 
I'm mentally XXXX and have been this way since i was a child. Im XXXX XXXX XXXX and because of navient i have a 90-120 day late payment on my credit score and unable to get an apartment credit cards or vehicle financing not to mention the sever XXXX on top of my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
I got a payday loan from Cash Express in XXXX Ky and I tried to utilize a debit company to pay it off and they said no that they could not work with debit consolidation! Said took extra licensing! Which was a lie! Then they said they would hold it till my next paycheck, I on social security get paid 1 per month, and then they put it into the bank the day before,! Causing me a XXXX charge, and also sent my checking account upside down! I am still trying to dig out of it! I had to borrow my rent and my bills just to be able to pay them! Thats not right and my attorney told me that was against the law! I contacted state regulator and they said will send me complaints form but not got it yet! I only make XXXX a month! And o had to borrow just to pay my bills! They blew me off and laughed about it! This is wrong! If they do it tome, they do it to others! My friend works at another payday loan service and they are abiding by the law! They have a program if you get in trouble, you can utilize like the laws says they got to have in Ky! She say Cash Express is notes for doing that and its sgainst the law! My phone number isXXXX! Please help me!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I filed complaint No. XXXX, with this office. After the complaint was filed, Mr. Copper provided some RESPA notices pertaining to the transfer of the loan.We want to be very clear that these notices were not provided by the lender until we filed the complaint with the CFPB. After the complaint, Mr. Cooper provided a mortgage statement to during the bankruptcy stay indicating to pay the amount of {$570.00} for the month of XX/XX/XXXX. Because we are in foreclosure, we contacted Mr. Cooper Bankruptcy department to confirm the amount of the payment. A representative stated that the amount was correct and to make the payment. On XX/XX/2019, Mr. Cooper processed the payment and deducted the same from our account. To our surprise, Mr. Copper lawyer XXXX XXXX filed a motion to schedule a sale date. The judge granted her motion and the court listed the property to be sold on XX/XX/2019. Mr. Cooper has engaged in Florida 's deceptive business practices. Mr Cooper made a verbal agreement with me over the phone to pay the amount indicated on the XX/XX/XXXX statement while taking our payment then placing the property for sale. When we contacted Mr. Copper, they are now changing their story and playing XXXX. The company now claim that they made a mistake by taken the payment and are sending the funds back??? What is this????. It is more then obvious the Mr. Cooper has acted in bad faith and i request that you sanction the company. We are also requesting that they honor our agreement and allow us to continue to make the payments. We are also requesting that they cancelled any future sale dates while we are making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I previously opened a complaint and was emailed by XXXX XXXX from Bank of America asking to " Please contact me by XX/XX/2019, to confirm that information. ". But I got the answering machine thee times and I left my phone number to call me back. I am currently in XXXX. I never received a call to the phone number I asked them to call. The complaint was closed because they " could not confirm '' it was me who submit the complaint. 

I filed a new complaint but it was closed again since it " seemed to be about the same issue ''. 

Again, I insist on contacting Bank of America to solve the issue because it is not fair for me to lose XXXX XXXX because of an ATM malfunction. 

The incident happened on XX/XX/XXXX. when I tried to withdraw XXXX XXXX Pesos from XXXX BXXXX 's ATM located in XXXX, XXXX, XXXX with number XXXX. 
The ATM had a malfunction and did not dispensed the bills. I opened claim number XXXX with Bank of America on XX/XX/XXXX. I called them immediately on XX/XX/XXXX. but they asked me to wait 48 hours before opening a complaint. On XX/XX/XXXX. I received a response to my complaint saying they will not reverse the charges and supported the claim with a photo copy that falsely stated that the bills were dispensed ( find the letter attached to this complaint ). 

I tried contacting XXXX XXXX but they answered that I had to reach Bank of America and that they wouldn't establish any communication with me regarding this case with me since my card was not from that bank ( please find the letter from XXXX XXXX attached ). 

I also wen to XXXX XXXX here in XXXX to file a complaint under oath and they asked me to try to solve the issue with XXXX ( XXXX CFPB ) and XXXX asked me to contact CFPB since I am a customer of an American bank. Find attached the copy of my complaint with XXXX XXXX XXXX XXXX. 

I called the CFPB and they suggested to submit again the complaint with a copy of an ID so I can prove it is me who is filing the complaint. I attach my passport to this complaint in order to prove it is me who is filing this complaint.

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 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
ONLINE INFORMATION SERVICES reported debt to my credit report without ever sending me any type of communication that I owed the debt. On XX/XX/2019, I disputed this account with the credit bureaus and asked for debt verification. Per FDCPA, the debt collector has five days to send me written verification of the debt. I had no communication from the debt collector until I received a letter in the mail, dated for XX/XX/2019. Yes, the debt collector violated federal law ( for which the debt collector will be strictly liable ) by failing to send a debt verification to me within the time frame allotted by federal law. Additionally, the verification letter did not include notice of my right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX CARD partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief