vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Company involved is Shellpoint Mortgage Servicing. 

I submitted a previous complaint XXXX on XX/XX/2018. 

My concern is that this case was closed, because the company responded to my above complaint, and the case was closed on XX/XX/2018. The response that was provided by Shellpoint Mortgage Servicing originally has now been changed and I was not informed until today, XX/XX/2018. 

When I originally asked to be put back on a repayment plan, I was told that it wouldn't be possible and that If I wanted to keep my home I would need to pay {$15000.00} before the foreclosure sale date of XX/XX/2018. 

It wasn't until I filed my complaint that they were willing to work with me, and XXXX put me on another repayment plan to pay off the {$15000.00} that was past due. 

I asked XXXX XXXX, my point of contact in the loss mitigation department and several other rep 's in that department what would be my monthly repayments, and I was told that they did not have the current figures because they needed to get the total cost of the attorney fees and appraisal fees, and it would take up to 7 business days, and once the figures were all calculated, XXXX would contact me with the payment breakdown. This process started between XX/XX/XXXX and XX/XX/2018. 

When I called and a week later to spoke with XXXX to see if they had the repayment figures worked out I was informed that she did. I had to make an initial down payment of {$8200.00} on XX/XX/2018 ( pymt made ), second payment of {$3100.00} was to be paid by XX/XX/2018, and 5 subsequent payments of {$3100.00} to be paid over a 5 month period to satisfy my repayment plan. 

Here it is XX/XX/2018, I receive a call from XXXX stating that my payment plan that was originally agreed upon based on their calculations has now increased because they did not include {$180.00} ( late fee ), {$2300.00} ( legal fee ), and {$1100.00} ( other fees ) to which she could not explain what the " other fees '' were. And this is already after I made my payment of {$8200.00}. 

How is this helping someone to keep their home??? It's more like a SCAM to get me out of it. This is not the first time this company has done this to me ... it first started with the modification that turned into a repayment plan. 

How is this even ethical or moral? The whole purpose of them having me wait from XX/XX/XXXX-XX/XX/XXXX, was so that they could calculate the cost. This should be against the law.. they need to be investigated by the CA Attorney General 's office due to their immoral and predatory practices ; not to mention the laundry list of consumer complaints against them. 

Now I wonder if they even stopped the foreclosure process/sale date. 

I want an audit!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
I obtained the title loan and was making payments, but I had a XXXX and was off work for XXXX XXXX. My job did not pay while on leave and unemployment disputed those days I was in leave because they stated I was off work. I attempted to explain this to the company, but theyre response was pay all or there repoing my vehicle. I tried to get a third party to mediate with them for me, but theyre only offer was that they would except the refinancing fees of $ 700+ dollars and refinance the principal amount in its entirety. Which was not a payment arrangement, I have one week left on leave and need to resolve this without losing my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/18 I deposited a check into my Chase Checking account. 
This check is from my insurance company XXXX XXXX for {$10000.00}. This is being used for my home to which was destroyed by a tree falling on it. 
When I deposited the check, Chase informed me they are holding it and it can not be cashed right away. 
I am disappointed being Im a long time chase customer and its an emergency. The check is also a Chase Check, so I should be able to get the funds immediately after depositing considering its coming from their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am writing in response to a series of request from Ally Financial that I allegedly owe an outstanding invoice for an amount of {$2200.00} after I returned my leased vehicle and was granted a one-month extension by Ally. As a matter of fact my lease return was due at the end of XX/XX/2018, I had called Ally agreed to an extension of one-month documents were generated and a signed extension was sent back that should have entitled me to an additional 1000 miles and an additional 30 days. Furthermore I was never provided upon disposition of the vehicle of any receipt by your dealer at XXXX XXXX XXXX in XXXX New York that would substantiate the damage your are alleging of the excess mileage and total daily extension you are falsely claiming Lastly, I have was directed to a website which never worked to inspect all relevant report post disposition of the vehicle, kindly provide all report produced by ally, XXXX or its agents in conjunction with the return and alleged property damage. The extension contract was never applied I have sent them {$600.00} as a payment someone from their executive office reach out saying she will be handling the matter pertaining to the excess mileage and the excess leasing days and never actually followed up.

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 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
In the fall of XXXX I opened an account with XXXX XXXX XXXX. I used XXXX and paid my monthly fees until XXXX of XXXX when I faced an extreme family tragedy. During this tragedy I was out of state for multiple weeks and did not receive any letters or notification from XXXX that my account was closed and sent to collections.

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 2018-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates keeps calling even when told not to make contact again because the debt is over 10 years old and is past statue of limitations but they keep calling and insisting that they are going to collect. This has been happening through out XX/XX/2018 to the start of XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a correspondence to XXXX, XXXX ( received XX/XX/XXXX per USPS tracking XXXX and signed for by a XXXX XXXX ) in regards to this corporation being sold an alleged debt, that is not mine but is in my name. I initially request for a lawful verification of the alleged debt and advised that attempting to collect is in violation of 15 U.S. Code 1692g. I initiated this correspondence before receiving any communications from anyone from  XXXX, XXXX. On or about XX/XX/XXXX I received 3 ( three ) correspondences at once from a Resurgent Capital Services that claims to service XXXX, XXXX accounts. All of these correspondences are dated XX/XX/XXXX, which is very odd since all of the content of these correspondences say different contradictory things. One claims that I have 30 days to dispute the validity of the debt, which I already initiated on XX/XX/XXXX before receiving any communication from XXXX, XXXX  or any other organization ; another requesting an affidavit from me, when they are the ones that need to provide a sworn affidavit to verify the alleged debt, not me ; and finally the remaining correspondence claims to have provided verification of the alleged by providing so called statements which may have been forged from the alleged original creditor ( XXXX XXXX BANK ). This sending 3 simultaneous letters with different content appears to be some type fraudulent and unlawful act on the part of representatives from Resurgent Capital Services and XXXX, XXXX. Also, none of their correspondences provided anything from my initial request. I immediately responded and sent another correspondence dated XX/XX/XXXX ( the same day I received their communications ) rebuking their fraudulent correspondences, it was received on XX/XX/XXXX per USPS tracking number XXXX and signed for by a XXXX XXXX. As of XX/XX/XXXX, I have not received any response from a representative of XXXX, XXXX or Resurgent Capital Services which demonstrates to me that this corporation and it's representatives are intent on practicing fraudulent and unlawful activities. In addition to this complaint I have filed a police report with my local Police department ( XXXX Police Department TR # XXXX ) as one of the final steps before pursuing litigation. I have attached copies of my XX/XX/XXXX and XX/XX/XXXX correspondences for the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2018, after my XXXX check was automatic deposited into my Wells Fargo checking account ( only income due to total and permanent XXXX for over 8 years ) it was immediately sent to a unknown person that I have never done any business or received any complaint regarding a debt. Wells Fargo is aware that this is XXXX benefit and allowed a judgment that I was not aware of take over my monies which now I am unable to pay my bills, go to the doctor, buy food, insurance payments, etc. I was not notified of any judgment from the person or Wells Fargo. I have filed several complaints but Wells Fargo is ignoring the laws on XXXX benefits and my complaints. 
Still, today I can not get any information as to where is my money. The whole check is gone. Also, I continue to miss money or had several complaints over the last year about someone going into my account taking my money.

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 2018-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
8 weeks ago my mortgage was raised by XXXX and when i contacted lakeview loan servicing my lender they told me my property taxes were raised and they could not explain why. I contacted the county of XXXX XXXX counties office of the assesor and discovered my deed restricted home 's value ( BMR ) was recorded at the full amount. As of XX/XX/2016 the purchase date, my home was recorded at the value of {$680000.00}, instead of the restricted value of {$380000.00}. I provided all the documentation to the county who made the correction and provided me documentation of the mistake. As a result, my lender overpaid my 2017-2018 taxes by over {$3000.00} and had overdrawn my escrow. I contacted lakeview and provided them with all the documentation stating the mistake from the county and a new tax bill showing the correction and I cant get anyone to respond to my emails or my calls to fix this situation from lakeview. Last month I had to pay an extra {$600.00} on my mortgage and this month an extra {$250.00} and every time I speak with a manager who says they will call me back, no one does. They tell me there is no one that can take my call and I have overpaid this lender almost {$4000.00} and no one is willing to explain how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Made a partial deposit payment with my XXXX XXXX XXXX XXXX Credit Card for kitchen and bathrooms cabinets to XXXX XXXX in XXXX XXXX, California, a company who after months of false promises didnt deliver the cabinets, later closed for business and currently being investigated by the Attorney General for 17 counts of Grand Theft of Personal Property and one count of enhancement of Aggravated White Collar Crime. After notifying the credit card company about the issue, they refuse to give me a refund of the XXXX XXXX dollars I had paid them. Heres a summary of the issue : I ordered kitchen and bathroom cabinets from the above mentioned company on XX/XX/XXXX, to be delivered within 8-10 weeks, paid their required 70 % deposit with the balance to be paid when the cabinets were made and ready for delivery. On XX/XX/XXXX I received an email from the salesperson confirming delivery for XX/XX/XXXX. 

After the delivery date came and went and many unanswered calls from the store requesting status of my order, on XX/XX/XXXX I called again, this time my message was to cancel the order that was approx. 45 days passed the scheduled delivery date. Finally for the first time the owner returns my call saying I couldnt cancel and refused to return my money. The deposit was paid with four different credit cards so I disputed the charges. After reviewing the facts, three of the four credit card companies credited the amounts paid except for the {$7000.00} paid by using XXXX XXXX XXXX XXXX credit card. 

I have been disputing this charge with XXXX XXXX credit card for over a year sending them all the information and documentation they requested, giving them a chance to revisit the case on three separate occasions and they still refuse to credit the funds into my account saying the charge is valid. I understand the charge was valid when processed but after many false promises XXXX XXXX did not upheld their end of the contract intentionally committing fraud by stalling and not delivering any product, closing for business and not honoring the contract and the credit card company still declined my request. 

Ive always known that one of the benefits of using credit cards is for consumer protection but this clearly has not been the case with XXXX XXXX XXXX XXXX Credit Card issued by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My ex-husband and I divorced in XXXX. I was awarded our house in the divorce and he filed a quit claim deed. He filed bankruptcy in XXXX and because he is on the deed to the house was told to list it on the bankruptcy even though it would not be included in it. During all this time from XXXX to present, I have been responsible for the mortgage payment. Payments have been made on time. The loan originated in XXXX and was in my name only and we refinanced in XXXX and at that time my ex husband was added to the mortgage. My name was not included at all in his bankruptcy. Fast forward to XXXX, I apply for a new mortgage and am told my mortgage is not on my credit report. There is no record of me having a mortgage even from XXXX or from XXXX. I called my mortgage company and they said in XXXX when he filed bankruptcy they stopped reporting mortgage payments. I could understand this if was still responsible for the loan in anyway or if we were both listed on the bankruptcy. I don't understand why my credit reporting was stopped due to his bankruptcy. Now, I have no record of 16 years of mortgage payments in excellent standing. My credit is horrible through no fault of my own. The mortgage company said they will start reporting my mortgage payments as of XX/XX/XXXX but will not do anything about the past 16 years. I would like my credit report to reflect my mortgage for the entire life of the mortgage or at least from XXXX forward. 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 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo-They contact me. I filled out the application and I was approved for a credit card with a {$3500.00} limit in XXXX XXXX. 

As of today my balance is approx. 1800.00. Last month I made a payment on XX/XX/2018 of XXXX, when my minimum due was only {$27.00}. 
Today I tried to make a card purchase with this card. After trying three times, I was unsuccessful. I called Wells Fargo and they told me based on my credit reporting status they reduced my limit. I asked them how can you just reduced my limit when I only had the card 3 months. Secondly I paid you more than your requested. I told them they didn't give me a chance to show them over time that I would pay them back and lasting how can you just decrease my card with no notification. 
Furthermore, I just paid off a vehicle financed through Wells Fargo Dealership. I fulfilled my contract for 72 months and was never 30 days late! 
I could of needed my card in a emergency situation. I could of been out of town or out of the country and depended on this credit card to get back home! They just reduced my limit with absolutely no warning and in my opinion no reason ... my fico score status is the same as it was when they gave me the line of credit. Now since they reduced my credit card limit, this is lowing my credit score, because now it is up to the limit!

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 2018-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
After a long period of unemployment, I missed a couple mortgage payments. I'm trying to stop from getting any further behind, but Suntrust is not giving me any mechanism at all to make a payment, directing me to a phone line with nobody answering it. I'm trying to give them money and they are trying to make it difficult, presumably so they can try and take my house.

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 2018-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( 3rd party ) Original debt was with Santander for {$14.00}, XXXX and we don't agree with that amt. XXXX XXXX XXXX called on XXXX ( first time hearing from them ) and threatened to send Summons if we did not arrange a settlement, but I do not have a contract with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 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: LA

Complaint narrative:
I am requesting that XXXX XXXX credit reporting on my credit report be removed. 
The original debtor is XXXX XXXX XXXX Bank Mortgage this debt resulted from a foreclosure. 
The original debtor XXXX XXXX XXXX Bank Mortgage is listed in my credit report. 
XXXX XXXX XXXX is not the original debtor and as such can not hold a credit report on this debt when the original debtor remains in my credit report. Hence my credit report can not have duplicate charges from XXXX different debtors. 
XXXX XXXX XXXX has to be removed from Equifax major credit reporting agency I have written to the three major credit reporting agencies an as of this date removal of this XXXX XXXX XXXX has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
This company bought by loan a month after I purchased my loan, they are not honoring the terms of the previous loan by charging to pay {$12.00} by automated phone call, or making an additional charge of making a payment after 5 days, 10 up to 15 days a specified amount. My previous terms, free over the phone, late after 15 days past due date. This company you must pay on line in order for it to be free. The web site is continuously down, the wait time is awful, today I waited on numerous occasions, recieved 5 passwords that wouldn't work, my old password wouldn't work, I'm just trying to make a payment before the 5 that of the month. I haven't had paperchecks in over 15 years so I can not mail.Frustrated with the business operating practices.

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