vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I continue to seek an equitable solution from my lender, XXXX XXXX to resume making mortgage payments. The California Homeowner 's Bill of Rights states that a homeowner has a right to know who their lender is, and to be able to make contact with them. The recorded message at XXXX XXXX XXXX states, " Hello, if you are calling because the owner of your loan, please listen to the following message. The servicer of your loan is required to provide you with this telephone number under new regulations. The servicer of your loan was given the authority by the owner of the loan to make all decisions concerning the terms of you loan. The servicer is the only party who can make these decisions including whether to modify your loan, and you should contact them if you have not done so already. If you are in contact with your servicer, please continue to seek guidance from them .... '' The servicer of the loan, Shellpoint Mortgage Servicing, continues to say that XXXX XXXX makes all the decisions. In Shellpoint 's literature under the title of " Need Mortgage Help, '' it states " Our mission is simple : We 'll do everything we can do to keep you in your home. Our philosophy is : let 's work together to find the right solution that works for you. '' Among the loss mitigation options are 1. an interest only loan with a balloon, 2. missed payments and penalties put on the back end, 3. Forbearance, 4. Loan Modification, among other options. A recent  conversation with them revealed that they do not offer any of those except for a modification or short sale. The modification available reduces the mortgage by a few hundred dollars. Given this, I retained the services of XXXX XXXX, an attorney at XXXX XXXX to assist me in communicating with the owner of the loan. I will refer back to XXXX. A previous CFPB complaint I filed revealed this : " ... the servicer informed you that the investor of the loan ( is ) The XXXX XXXX XXXX XXXX XXXX as Trustee on behalf of XXXX, XXXX, Alternative Loan XXXX. Please note that the XXXX XXXX XXXX XXXX XXXX is the trustee, an independent party responsible for administering the trust for the benefit of investors. The trustee is the owner of the mortgage solely for the benefit of the investors, who are the true beneficial owners of the mortgage. '' The XXXX has never responded to XXXX XXXX or to me. Shellpoint did respond to XXXX XXXX 's letter by stating that ( in effect ) the guidelines for my loan or modifications thereof, are " the guidelines set forth by the Consumer Finance Protection Bureau. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Re : Old Debt Item Dear Sir or Madam : I am writing to request the information that your company provided to national credit reporting agencies be removed from my credit report. According to the XXXX credit bureau, this account was charged off on XXXX XXXX XXXX in the amount of {$3500.00}. The initial delinquency dates back several years ago during my XXXX studies. This account became delinquent because of financial hardship that I experienced in the past. In the years past, I have begun to rebuild my credit and established a good payment history with my current creditors. As a show of goodwill, I kindly request that XXXX remove this item from my credit history. Please contact the national credit reporting companies to which you provided this information and have these agencies delete the stated collections item, as soon as possible. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XXXX XXXX 2017 my checking account was fraudulently charged XXXX by USPS. Upon learning of the transaction I immediately called and disputed the charge. The transaction was used to purchase a money order that I myself did not purchase. Chase refunded the charge and submitted a claim for fraud. A week later the funds were taken out of my account again. I contacted Chase and was informed that my claim had been rejected so the funds had been reversed. They stated that because it was a PIN based transaction they could not move forward with the claim because I had no proof that I did n't make the transaction. I stated multiple times that I did not make the purchase, I did not give my card to anyone, and no one knows my pin. I called several times after that to ask for information regarding transactions on my account. During my own investigation I was told by a member of the fraud team that there was a non chase ATM balance inquiry made on XX/XX/XXXX, the day before the USPS charge, at an ATM in XXXX WA at XXXX XXXX. I never go to Non Chase ATMs so I found this suspicious. My previous transaction that day occurred at XXXX XXXX at the Oregon XXXX. I was in fact at the Oregon XXXX on X/X/17. I have Pictures to prove that. XXXX WA is 3 hours XXXX of XXXX Oregon, where the Oregon XXXX is located. I explained this all to the fraud team in the effort to get the to understand that there was clearly a duplicate of my card out there and they had my pin. I could not have made purchases at the Oregon XXXX in XXXX Oregon and then traveled 3 hours north, in just an hour, to make a balance inquiry at a Non Chase ATM in XXXX WA. My claim was reopened. Today my claim was again rejected. I 've spoken to many senior supervisors at the fraud department of Chase and they have no intention of returning my fraudulent funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
there is a delinquency from XXXX 2016 on a best buy account that i have, this delinquency is inaccurate and i have never committed this late payment, i have already faxed and uploaded creditors documents ( approval letter ) to the bureaus so they can update but so far no one has, please notify credit reporting agencies to remove this inaccurate delinquency from my credit report thank you

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 2017-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I called portfolio recovery in an effort to clear this debt from reports. I talked to a representative and a manager about this debt. At this time both reps stated they had no information on their computer system regarding this account, my name, or my ssn. I asked what type of account this was, when it was opened, and original amount delinquent. No one at this company could provide the information. They stated again they had no record of this account. At this time I stated that if you have no record of this account then you also need to take off all my credit reports. They stated sometimes it does not get on computer system right away. I asked how many months does it take, because it has been on there for at least a few months if not more. There was no logical answer. I asked for manager to look for info and call me direct at my cell number, and as of XX/XX/XXXX no call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: CA

Complaint narrative:
there is a delinquency from XXXX 2016 on a best buy account that i have, this delinquency is inaccurate and i have never committed this late payment, i have already faxed and uploaded creditors documents ( approval letter ) to the bureaus so they can update but so far no one has, please notify credit reporting agencies to remove this inaccurate delinquency from my credit report thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
there is a delinquency from XXXX 2016 on a best buy account that i have, this delinquency is inaccurate and i have never committed this late payment, i have already faxed and uploaded creditors documents ( approval letter ) to the bureaus so they can update but so far no one has, please notify credit reporting agencies to remove this inaccurate delinquency from my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank Gold Checking account opened on XX/XX/XXXX with the condition that 2 bill pays were completed to receive a {$200.00} account bonus. Bill pays were completed on XX/XX/XXXX. I contacted U.S. Bank on XX/XX/XXXX and XX/XX/XXXX and was informed by 2 different representatives that the promotion was linked to my account and the requirements were met. I was informed that the bonus would be deposited by XX/XX/XXXX. The bonus has not been received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have spent months trying to get TransUnion to fix their problem. They are incorrectly reporting my car payment as " closed, derogatory ''. 100 % wrong. I have talking to my bank and they say repeatedly the account is open and paid satisfactory. All other credit reporting agencies have it correct. They have reported they have corrected, and it simply not true - they have changed nothing. I am enclosing a letter received today from XXXX that states the I am such a loyal good customer I can skip a payment if I want- not something they do to closed accounts. I am currently two months ahead in my payments. TransUnion should remember all the fines paid to CFPB, more coming.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank representatives provided me with false information which caused me to be charged an overdraft fee. I was given NO NOTICE of the fee until AFTER I deposited money to bring account into the positive. They did this so they could take their fee out before I could use the money to pay my bills. Supervisor said there is nothing they can do about their own representative giving LOYAL CUSTOMERS false information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
All my student loans are with NELNET. I was never offered an income driven plan, even though I asked about it several times. Instead I was put into forbearance for years and incurred interest costs in the amount of {$35000.00}. The only other option that I was offered was to pay over {$2000.00} a month, and for sometime I had no job or I was making very little. They threatened me with ruining my credit or garnishing my paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Lot of nothing. The problem with the response is that I had an open claim, which doctors forms shown he was terminally. And I was told since I already have open claim that would transfer from XXXX to XXXX XXXX. I had an open claim that should have paid the card off because XXXX XXXX known that it was be death and was listed if over 12 month, it would pay off card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I contacted this company about why my interest rate went from 19.99 % to 29.99 % without notice. first they said that is my interest rate. when I replied by secure mail on Citi 's website, on XX/XX/XXXX, they replied that the current rate is plenty APR due to a missed payment. I then replied that I have never missed a payment nor have been late in payments. I then replied ; Please send me proof of the missed or late payment. They replied ; We show a missed payment in XX/XX/XXXX and referred to the terms and conditions my account will stay in penalty rate for 12 months if I do not miss a payment or late on payment. I replied ; ; That if I did miss a payment in XX/XX/XXXX, it is now 18 months and my interest rate remains at 29.99 % I also informed them that I will not be using their product and will be paying off the balance and closing the account. I have not received a reply since.

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 2017-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: MT

Complaint narrative:
The company that is servicing my mortgage, Franklin American Mortgage, notified me today through U.S. mail that they have sold my mortgage to another company, XXXX, XXXX. The effective date of this transfer isXX/XX/XXXX. The date on the notice FAM sent me is XX/XX/XXXX, but the law pertaining to this, 1024.33 ( b ) ( 2 ) ( ii ), states clearly : " ( T ) he transferor servicer shall provide  the notice of transfer to the borrower not less than 15 days before the effective date of the transfer of the servicing of the mortgage loan. '' Having received the notice only today (XX/XX/XXXX ), the transferor servicer did not comply with the requirement of the  applicable statute. The fact that the notice may have been written prior to the 15-day window is irrelevant. Franklin American is required that I have such notice in my hand at least 15 days prior to the change is the relevant factor, and they are not in compliance with the statute. The company had many alternatives to ensure that I received this notification in a timely manner. Sending the notice via overnight mail would have gotten it to me within time, as would them calling me or emailing me. My profile with their company includes all my current contact information, and there is also a message tab on my account where they could have posted this notice. They did none of these things, insuring that I would receive notification late. The timing of this transfer is problematic. I get paid once monthly, on the XXXX. I have set up a recurring payment to come out of my account automatically, but I must cancel these recurring payments several days in advance, and they rarely post to my account until the XXXX, which is the date the notice indicates this transfer will become effective.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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 SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
This is not a duplicate complaint. In a prior complaint, USAA inaccurately reported prior information that a paid charge off had a balance due to XXXX and XXXX. USAA responded to that complaint by re-correcting those tradelines, although they should have been deleted. Now, USAA is inaccurately reporting that same inaccurate prior information that a paid chargeoff has a balance to XXXX. This occurred on XX/XX/XXXX. I have attached the accurate reporting as of XX/XX/XXXX, and the new inaccurate reporting as of XX/XX/XXXX.
XXXX 's system does not allow me to dispute this issue since I disputed it the first time this occurred and XXXX thinks this is a duplicative dispute, which it is not. USAA previously corrected but has now reverted the data to be inaccurate again. As 30 days have passed and the information is inaccurate, it must be deleted according to the FCRA. This is a repetitious and ongoing problem for USAA, and thus far the bank has not taken corrective action that prevents inaccurate reporting of prior information on its tradelines to the 3 credit bureaus. I recommend the CFPB investigate whether this is an ongoing problem at USAA that affects numerous consumers besides myself.

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 2017-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
Weber and Olcese has sued me without providing any information to me. The only notification I got was from the court saying I was being sued. The debt was owed to XXXX XXXX XXXX for a credit card I struggled to pay. The amount was over {$2500.00}. I immediately called them to talk to them and find out more about what was going on. I set up a payment plan and began to pay. I ran into a hardship and was unable to pay one month and they immediately went to the court to get an order to garnish my bank account, both checking and savings. They stole over {$2000.00} in my student loan money without notice. From what I 've read, that in itself is illegal, to take federal student loan money. They blamed the bank for the amount of money they took and said it was up to them. I checked this with the bank and they vehemently denied that and said that they were only doing what the court order said. They refused to release the funds back to me and continued on their business. I once again set up a payment plan. This time I had learned a lesson and was faithful to my payment plan. The agreement was to pay {$50.00} every month at the end of the month. I did so, yet after I made my second payment to them, they garnished my bank accounts once again. I was told that once I made an agreement to pay monthly installments, this would n't happen. Needless to say, I am beyond furious because this is the second time they have taken every penny from me and left me without rent money, jeopardizing my housing situation. I believe this is poor conduct and probably illegal. I called them after finding out about them draining my account and they would n't talk to me about why this has happened. They say there was no payment agreement in place but I explicitly remember having a conversation with XXXX XXXX. He failed to put that in place or to even make a notation on my account to indicate such an arrangement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
Honestly Im not sure what this medical bill is for & why it would be this high..I have not had insurance in years & when I do go to the er its because I have no choice..Ive gone thru a divorce & mich worse than  that which I will not go into detail ... Im trying so hard to pay my bills & fix my credit being I cant even rent a place because of mostly medical bills effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I bank with Wells Fargo NA. I have had accounting discrepancies starting XX/XX/XXXX for  {$200.00}. I kept having discrepancies XX/XX/XXXX for {$1500.00} ; XX/XX/XXXX for {$380.00} ; XX/XX/XXXX for {$500.00}. On XX/XX/XXXX, I adjusted my account {$280.00} dollars to reflect what the bank had. I then had discrepancies on XX/XX/XXXX for {$320.00}. Then on XX/XX/XXXX for {$240.00} ; XX/XX/XXXX for {$260.00} ; XX/XX/XXXX for {$260.00}. OnXX/XX/XXXX a difference of {$300.00}. On XX/XX/XXXX, I again adjusted my account {$320.00} to reflect the banks numbers. On XX/XX/XXXX, right after adjustment, I had another {$100.00} difference! I then went into the bank on XX/XX/XXXX to talk to a banker about the problem. Her name was XXXX in XXXX, Nevada. We both had the same numbers, but she could only spend time to do 1 months worth of ledger. I have copied all my ledgers from XX/XX/XXXX to XX/XX/XXXX. I feel that I am out around {$750.00} to {$850.00} dollars. I will need to send the ledger copies to you! I have 5 sets of 20 pages. I have a mortgage with Wells Fargo.

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