vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Shellpoint is my new mortgage service provider. The former company, XXXX, is in the middle of responding to my request for an assessment of late fees, payoff amount, escrow and all the numbers to ensure it is accurate. So, I am waiting for that information from XXXX, so I can be sure when I catch up payments with Shellpoint, it is accurate and I am not overpaying, jeopardizing my equity. 

My concern is this : I called Shellpoint a week ago, and they said that late fees would be begin approximatelyXX/XX/2019, a month after Shellpoint began servicing the loan. Upon my initial complaint with XXXX ( XXXX ), I hadn't officially received my Shellpoint paperwork. So, I have had the Shellpoint paperwork for about 2.5 week, and have known about the transfer for just under a month. Since I am waiting for the accurate numbers from XXXX to cross-check with my Shellpoint paperwork, I felt it better to wait and not pay yet. Once I have the pay off the amount I can feel sure about, my wife and I are in a position to get caught up fairly quickly. We are both XXXX and get lumpsum payments in XXXX. By XX/XX/XXXX we should be set with shell point once I can get the two compaines to confirm the accurate numbers in the loans with regard late fees, pay off amount and other holding accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2019 I paid My Collections account for XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX in an agreement to delete this from my account within 30 days, however it has been longer then 30 days and I was trying to submit a Dispute with supporting Documents online and through the mail with Equifax, I also tried calling in in a dispute but I could not submit support documents after the file dispute started through the phone dispute option. I am trying to submit my supporting documents through Equifax because I have had problems with XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX not agreeing to the agreements for deletion and send incorrect information to the credit bureaus. I have attached the agreements and statements for which I paid my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Dear Consumer finance Bure. 
I'm trying to remove a lien against to my house. Lien was put by Win Law Group. I refinance my house in 2005 with XXXX XXXX XXXX. XXXX XXXX XXXX was supposed to pay off {$9500.00} from XXXX XXXX XXXX XXXX XXXX to XXXX. Washington XXXX XXXX or the XXXX XXXX XXXX never paid the loan to XXXX. the XXXX tried to collect the money from me which I thought it was all ready paid off. The loan went to collection and that ruined my credit score and I'm not able to get a car loan or refinance my house. Since then I have been paying very high interst on my credit cards and all of the loan that I apply. The collection company Win Law Group take over the collection and took me to court for {$1700.00} and levyed my bank account of about {$800.00} and put lock on my safety deposit box, which have my daughter 's and my passport in it. I can't get it out until this day. I'm trying to refinance my house to pay my x- husband and no one wants to give me a loan because I have a lien against my house from Win Law Group for {$19000.00}, which was XXXX XXXX XXXX faults, now own by XXXX XXXX . I called XXXX XXXX  and Win Law Group no one wants to help me to remove the lien off my house. XXXX XXXX XXXX is not exist anymore, I can't get hold of the Escrow company or the XXXX XXXX XXXX. Please help me to remove this lien against my hose and find out what happened to the money that I paid to them. My mortgage loan is still with XXXX XXXX they been collecting interest on this loan and Win Law Group been collecting interest and late charges on this loan, now it is add up to {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Dear CFBP Representative I am reaching you because my home Lender reported to the credit bureau a delinquent payment on XX/XX/2018 on my credit report and we had an agreement to split payments {$950.00} on XXXX and the rest in XX/XX/2018. 

However, my home lender reported delinquent 30 days the full amount of {$1300.00} to my credit report and this is not true, and this really affected me on my actual Work and personal life, furthermore we had an agreement for split XXXX payment. 

I consider a problem to my personal life. I never missed any payment in my hole credit history, and this a delinquent notice that will affect my credit for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Data Corporation
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
reference # '' XXXX XXXX The notice sent to me is dated XX/XX/2019 from a check written in XXXX. I have never been notified by XXXX XXXX XXXX of the check being returned ; this is the first time I'm notified and it's already with a collection agency. I tried to dispute with XXXX XXXX the same, but without providing my bank account and driver license information-I can not dispute their reporting/collecting. I'm resolving with the creditor, but given how this was handled, I would like this to be removed from their reporting/records.

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 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
I paid that XXXX XXXX debit off in payments at least 2 years ago yet it still shows that I haven't. XXXX had the same info on their site and they corrected it after they did there investigation. I've tried dispute that account countless # of times and it still shows active. I paid it off. In installments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I want to Report XXXX XXXX credit card this was 10 yr ago they took it out of my credit report now they using portfolio I never did no contract with this company and now they report it again its coming out like a new debt report again. I have a kid with XXXX 10 yr ago couldnt paid. On the 3 credit report is coming out again. They need to take all this out of my credit report deleted. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
one XXXX XXXX XXXX account has been reporting under my name, this account is not mine, does not belong to me, i have tried to dispute this with all three major credit bureaus, XXXX and XXXX have removed this inaccuracy except equifax, they are giving me a very hard time, please have this inaccuracy removed from equifax, you are my last hope appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been trying to get a loan modification with SPS. When I speak to the lender they always say that the loan is in default and has been referred to an attorney. However, I have received modification papers and made the first trial payment at this time. ( The second payment is not yet due ) When I remind them of this they then tell me my ex-husband must sign the paperwork as he was the original person on the loan. My divorce was finalized prior to the loan modification and my ex-husband quit claimed the property to me. These documents were sent to SPS in XXXX when I started the modification process. The trial modification paperwork that SPS sent to me identified my ex-husband as the original borrower and me as the new borrower. They requested and was sent finalized divorce statement and the quit claim documents again but they are still dragging their feet about recognizing me as the new borrower. Since he quit claimed the property to me he is irrelevant in regards to this loan. My ex is lives in another country and is not easily accessible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: WY

Complaint narrative:
They keep calling and they do not state that they are a debt collector in their messages that they leave on my voicemail machine I have a recorded voicemail from them they also leave the account number on there in the voicemail without even verify that I am the person that they are seeking they keep calling at ungodly hours and not claiming to be a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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 — Problem with personal statement of dispute
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
I moved into XXXX XXXX, XXXX, Tx, XXXX of XXXX me and my girls XXXX and XXXX loved it there. I never not once was late paying my rent all the way up to being made to move out in XXXX of XXXX by a landlord XXXX XXXX. She claims that when I moved out that I left {$1600.00} damage to the apartment and that's a LIE, I was on a low rent program and I wouldn't have done anything like that to get me throw off the program. I did turn her into the XXXX XXXX   XXXX and they came out and after that she gotten mad at me and wrote me up and wouldn't renewal my lease so I had to move out and I did but I didn't do anything to damage that apartment I promise. By her lying on me and damaging my credit report I haven't been able to rent a place of my own for 3 years now me and girls having to stay where we can place to place with family and friends and it is not fair for one woman to have that much power to keep me from having a place to call home. She mistreated a lot old people out there and still work there and the company just don't understand or care one or the other. But all I want is for this to be resolved and removed from my credit report so I can get a place to call home. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANNER CORPORATION
State: OR

Complaint narrative:
Received in mail on XX/XX/19 a windowed envelope that contained something that looked like a check. Opened it, and it is a new account reward voucher from XXXX XXXX that looks strikingly similar to a check, including a signature and everything. I don't think banks should be able to do this kind of marketing, because some people could actually tink this is some kind of check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very aggravated with the credit reporting buraus, it impossible to remove the fraud alert from my own account, initially they remove the fraud alert from my account but after couple of day repair on my credit report again which prevents my landlord to pool my credit records do to of the fraud alert. Its been more than a month sins I've been trying to remove those alerts that spose to " protect '' my identity, instead it makes my life so stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX. ) Submitted a specific dispute disputing a portion of a charge by a merchant. 
XXXX. ) The dispute contained the name of the cashier, and the items in dispute. 
XXXX. ) The dispute specifically, advised that the items were crushed/damaged by the cashier. 
XXXX. ) The merchant provided a tacky photocopy of a return/refund policy, however, it of course, fails to address refunds for products damaged while cashier is packing the groceries. 

XX/XX/XXXX Capital One Disputes VIA FACSIMILE- XXXX Case Number : XXXX Merchant : XXXX XXXX Date of Transaction : XX/XX/XXXX Disputed Amount : {$26.00} Dear Sir or Madam : Please be advised that XXXX continue to dispute the above referenced case number, neither myself or anyone else authorized by me has signed for nor received the merchandise included in my original dispute. Merchant provided a tacky photocopy of a return/refund policy. However, the policy fails to advise as to how they handle refunds for products damaged while the untrained cashier packs the groceries. 

As mentioned in the original complaint, the cashier XXXX attempted to pack numerous items in one bag causing damage to a sandwich, doughnut container and yogurt parfait cups. Therefore, liability for this action rests in the hands of the merchant and not the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 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:
These accounts are fraudulent XXXX - {$550.00} XXXX XXXX - {$610.00} XXXX XXXX XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX - {$1800.00} XXXX/XXXX - {$7900.00} XXXX XXXX - {$1100.00} XXXX XXXX  - {$1000.00} XXXX XXXX {$2100.00} XXXX XXXX - {$100.00} XXXX XXXX - {$100.00} XXXX XXXX - {$500.00} XXXX XXXX - {$100.00} XXXX  - {$1800.00}

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 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFBP Representative I am reaching you because my home Lender reported to the credit bureau a delinquent payment on XX/XX/2018 on my credit report and we had an agreement to split payments {$950.00} on XXXX and the rest in XX/XX/2018. 

However, my home lender reported delinquent 30 days the full amount of {$1300.00} to my credit report and this is not true, and this really affected me on my actual Work and personal life, furthermore we had an agreement for split XXXX payment. 

I consider a problem to my personal life. I never missed any payment in my hole credit history, and this a delinquent notice that will affect my credit for years.

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 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Wise Recovery Solution LLC
State: TX

Complaint narrative:
Dear CFBP Representative I am reaching you because my home Lender reported to the credit bureau a delinquent payment on XX/XX/2018 on my credit report and we had an agreement to split payments {$950.00} on XXXX and the rest in XX/XX/2018. 

However, my home lender reported delinquent 30 days the full amount of {$1300.00} to my credit report and this is not true, and this really affected me on my actual Work and personal life, furthermore we had an agreement for split XXXX payment. 

I consider a problem to my personal life. I never missed any payment in my hole credit history, and this a delinquent notice that will affect my credit for years.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-18 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander consumer agree to deleted from my 3 report is still coming out should be deleted completed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised to contact you. I am wondering why I have items on my report that are not mine. I am thinking about starting a new business soon which prompt me to check my credit report. I see several items on my report that are not mine I need these items removed from my credit report. I have contacted the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
There is a medical bill that is reporting on my credit file that I know nothing about. I have medical coverage and never received anything from a provider 's office indicating I owed money. I have insurance and as far as I knew everything was covered. Why didn't this company or any office send me notification???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 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 was advised to contact you. I am wondering why I have items on my report that are not mine. I am thinking about starting a new business soon which prompt me to check my credit report. I see several items on my report that are not mine I need these items removed from my credit report. I have contacted the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX 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 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services
State: TX

Complaint narrative:
I have a total of 5 university loans that were serviced by my previous loan servicer, Conduent, which has now turned all my loans to XXXX. I looked at my credit record and say that they reported late payments in XXXX and XX/XX/XXXX, which is not true. I have been paying my loans since XXXX with no late payments. I didn't receive anything regarding late payments in the mail either. There is no working number or email associated with Conduent anymore as it says it has been decommissioned. It seems like online there are multiple borrowers that are in the same situation as me where payments were not applied correctly. I have the ability to pay off all the loans entirely so it is frustrating that they reported deliquent payments against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: TX

Complaint narrative:
All three bureaus continue to report an account twice, with XXXX XXXX. There was only one account with this company yet they are reporting it twice with the same exact information. This is wrong and it's hitting the scores twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very aggravated with the credit reporting buraus, it impossible to remove the fraud alert from my own account, initially they remove the fraud alert from my account but after couple of day repair on my credit report again which prevents my landlord to pool my credit records do to of the fraud alert. Its been more than a month sins I've been trying to remove those alerts that spose to " protect '' my identity, instead it makes my life so stressful.

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