vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
1. I have a mortgage starting from XX/XX/XXXX served by XXXX XXXX XXXX ( XXXX ) and I have paid twice through the mail but I did not receive any confirmation. I try to log in to my account to see my information ( my remaining loan and all the payments I have made ), but the reference number they gave to me is wrong and I can not log in at all. I called them and every time they said they will solve but nothing happened. 
2. On XX/XX/XXXX, I got an email saying that my mortgage has been transferred to the Shellpoint Mortgage Servicing XXXX http : //www.shellpointmtg.com ) and they also gave me a new reference number to access my account. I still can not use this reference number and my SSN to access my account on their website. I called them many times and they did nothing but perfunctory. I have no other ways. 

It is our right to receive the confirmation of our payment and check how many loans are remained to pay. I need to know the details of my payment and mortgage progress. I even can not pay online. Thank you very much if you could help me. 
My name is XXXX XXXX. My property address for the mortgage is XXXX, XXXX XXXX XXXX, XXXX, XXXX, VA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
Dear American Express Compliance/Legal Department, On XX/XX/XXXX I was informed via email by American Express that charging on my credit card account was suspended, and that I would need to complete and return a tax form called the 4506T in order to conduct a financial review. I promptly completed the form and followed American Expresss instructions to securely submit it. However, I mistakenly signed my name electronically whereas the form required me to sign it in ink. I was informed that I had made this honest error by XXXX XXXX, an Account Manager with  the American Express Financial Review Team. His direct line is XXXX, extension XXXX. 

I summarily completed the form again, signed it, and electronically scanned the document to send to American Express on XX/XX/XXXX. However, as I can now see, I mistakenly wrote the date as XXXX, instead of XXXX, due to my forgetting the recent New Years change. Today, XX/XX/XXXX, I contacted Mr. XXXX via phone to request an update on the status of my account. He informed me that the IRS had rejected my form 4506T because of my clerical error. This matter was also an honest mistake ; however, Mr. XXXX told me that American Express will not allow me to submit the 4506T document more than two times, but he specifically stated over the phone that this policy is American Expresss, not the IRSs ; the IRS would gladly allow me to submit another form. Mr. XXXX explained that because I had already submitted the document two times, I had no more chances to verify my income with American Express and that my account would be closed. Nevertheless, I would be very distraught if I were to lose my American Express credit card account. 

I am submitting this complaint, along with the attached documents, to respectfully request that I may be allowed to submit my documents one more time, without error, so that my account may be reinstated, and I may enjoy the benefits of being an American Express Blue Cash Preferred cardholder. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CHECK INTO CASH INC.
State: OK

Complaint narrative:
A person named " XXXX XXXX '' called me, friends, ex family, my husband 's ex wife, who knows who all- looking for me to discuss a " Fraud '' activity, and even giving more details than that. When I called her back, gave her the case # XXXX she left on the voicemail ; she said she was with the State of OK Fraud Dept, and I have two pending litigations, felony charges- that are about to be placed against me for taking out an electric payday loan and not repaying. She said I had to make a statement at that time, which I told her I was not prepared to do so. I repeatedly asked what company she worked for, and asked why they are just now contacting me 8 years later, and why is this being discussed via phone call, when I've received no mail or anything regarding this. She wanted to ask me questions on a recorded line, when I put an end to the conversation and told her that I wanted something in writing. She told me they are pursuing charges now, and " Good Luck ''. She gave out my personal and confidential information to anyone who answered the phone. This payday loan is from 2012. Although, I'm not denying I had one, threatening to have me arrested unless I pay in full on the phone is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Step 1 : What is this complaint about? 
I am trying to make a payment to Wells Fargo Financial Institution and they are demanding i provide my full social security number. I have identified and confirmed my PII and the institution again still demands I provide my FULL social Security number. 

Step 2 : What type of problem are you having? 
The Financial institution demands I provide my full social security number and demands I provide it per their policy. Wells Fargo has refused to provide me their policy and demands I give them My social Security Number. 

Step 3 : What happened? 

Wells Fargo is refusing to provide policy that I believe puts me and my family at risk for Identity theft and they will hold me as a consumer late if I do not give them information that they have confirmed they already have. 

Step 4 : What company is this complaint about? 
Wells Fargo Home Mortgage Step 5 : Who are the people involved? 
XXXX XXXX Employee # 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 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found many accounts and inquiries on my credit report that are not mine. I found out today XX/XX/2020 because I was not approved for a car loan so I decided to look into my credit report to find out my I was denied. I did not open any of these accounts and I did not allow anyone to open these accounts using my information. I called the creditors and I was told that these accounts belong to someone named XXXX XXXX ; I don't know who that is or why that person opened those accounts using my information. I did not benefit anything from these accounts nor did I ever make any payments towards these accounts. I filed a police report as soon as I found out about these suspicious accounts.

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 2020-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lloyd & McDaniel, PLC
State: IN

Complaint narrative:
I am getting suied by XXXX XXXX that bought the account they have not show proof they own this or a signed and they sent a bill of sale with no proof they bought my accounts it states accounts so how thst proof of whst they bought the affidavit they sent where say acc number is black out and is false signed the person the wrote it didn't even sign it has another name with out proof contract they own this should be false law suit and against the fdca them trying collect some thing proof they dont own

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: CA

Complaint narrative:
I found many accounts and inquiries on my credit report that are not mine. I found out today XX/XX/2020 because I was not approved for a car loan so I decided to look into my credit report to find out my I was denied. I did not open any of these accounts and I did not allow anyone to open these accounts using my information. I called the creditors and I was told that these accounts belong to someone named XXXX XXXX ; I don't know who that is or why that person opened those accounts using my information. I did not benefit anything from these accounts nor did I ever make any payments towards these accounts. I filed a police report as soon as I found out about these suspicious accounts.

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 2020-01-16 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:
I found many accounts and inquiries on my credit report that are not mine. I found out today XX/XX/2020 because I was not approved for a car loan so I decided to look into my credit report to find out my I was denied. I did not open any of these accounts and I did not allow anyone to open these accounts using my information. I called the creditors and I was told that these accounts belong to someone named XXXX XXXX ; I don't know who that is or why that person opened those accounts using my information. I did not benefit anything from these accounts nor did I ever make any payments towards these accounts. I filed a police report as soon as I found out about these suspicious accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I sent a certified letter to Experian on XX/XX/XXXX. It was received on XX/XX/XXXX ( as shown on certified receipt ). Experian blatantly ignored all of the inaccuracies and violations which were pointed out to them in said letter and continued to report the exact same inaccuracies and violations on my subsequent credit reports ( XX/XX/XXXX and XX/XX/XXXX ). Their failure to remove inaccurate information is severely impeding my ability to repair my credit. My credit report is riddled with inaccurate information which they are purposely reporting! I will attach a copy of said letter as proof.

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 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am trying to save my house and I have a housing counselor who is helping me through this process. I have submitted a third party authorization in their portal and they continue to advise that they are not getting my documents. How can they not receive documents in their own customer service portal. I don't want to lose my home and I just need help to get a proper review!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian and XXXX  are incorrectly reporting a collection on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been served regarding this account and the account is also currently being reported on XXXX XXXX and consequently should NOT be reporting on my credit report. I was also told this collection account would not appear on my credit report. I was not aware this account was showing as a collection until I obtained a current copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2020-01-16 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:
XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT/PROFILE, BELOW IS THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX : ACC NO : XXXX DATE OPENED : XX/XX/XXXX AMOUNT : {$1600.00} FRAUDULENT INQUIRIES : XXXX/XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry date : XX/XX/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 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT/PROFILE, BELOW IS THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX : ACC NO : XXXX DATE OPENED : XX/XX/XXXX AMOUNT : {$1600.00} FRAUDULENT INQUIRIES : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry date : XX/XX/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 non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
First and most important, after I summited to them the amount of $ XXXX on a {$80.00} dollar loan I saw that the outstanding loan balance had not decreased at all. So I reached out to them for an itemized account of the distribution of the funds just paid. After several attempts to reach them through my VA HUD Rep., contact was made. The result of the contact was information on how to request the requested information. Note : It seems as if after the receipt of the XXXX they've been unwilling to communicate with me. I have per their own instructions written and requested the following without response. 
1, A complete breakdown down of the funds being applied. 
2. Ballance of loan or payment coupons. 
3. My relationship manager will not return calls to me or my HUD Housing Counselor to move forward with obtaining the pre-described information. 
Additionally : after 6 years with not one credit report from them and after they received funds as negotiated sum, they punitively reported delinquents to the credit reporting agencies.

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 2020-01-16 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: CO

Complaint narrative:
XXXX  and Transunion are incorrectly reporting a collection on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been served regarding this account and the account is also currently being reported on XXXX XXXX and consequently should NOT be reporting on my credit report. I was also told this collection account would not appear on my credit report. I was not aware this account was showing as a collection until I obtained a current copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2020-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am XXXX XXXX XXXX XXXX, I have a paypal account about three years ago, they deposit me for my XXXX  therapy and XXXX XXXX services, the problem is that some time ago they started asking me for a certificate from the company which I said that I was in the process since here in XXXX I had problems with my address for a place that I had physical and as I changed my address there were problems with Internal Taxes, at the end last year in XXXX I could fix it after two years with the process and I could get the happy certificate that here in XXXX talk about Initiation of Activities I sent it to him and a month ago that they are with problems that now they limited my account I can not get my money from which my clients have paid me and it is not money laundering in any case and they tell me that in 180 days my account will be returned to me and that is six months withheld which by law they can not do in any country. I need the money I have there and I also want the case to be defended because they are trampling on the rights of international clients. My email is XXXX with that I have the paypal. I hope you can help me, I send them my identification documents and my initiation of activities. regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 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: Midwest Recovery Systems
State: CA

Complaint narrative:
On XX/XX/XXXX, I became aware of fraudulent activity against my credit through my membership in XXXX XXXX , through XXXX XXXX . Two CRAs, XXXX  and XXXX are listing 2 separate attempts from Midwest Recovery Systems,XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX MO XXXX to obtain money in the amounts of {$4100.00} and {$3300.00}. XXXX lists the original debt as from XXXX, location unknown. This is likely a check cashing/payday loan operation. I have never used this company 's services, nor that of any other such entity. It should be noted that I filed fraud complaints in XXXX that were of a similar nature e.g., loan shops. Those complaints were investigated and resolved as fraud against my name and confidential information. 
The XXXX XXXX XXXX I spoke with on XXXX said that sometimes these old files are resurrected and sold to another entity. The amounts in the prior fraud were approximately {$4000.00} and {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
I called in verified information and I advise representative that I was disputing the validity of the debt and I will like proof of charges. She refused stating that I could not dispute the debt. I asked the representative over 5x her name which she refused to give and blindly transferred me to a manager XXXX XXXX I asked the manager several times the representative name which he didnt disclose at my leisure. I then advise him of the conversation which he told me he would handle the matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
inaccurate information reporting on my credit report file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am not able to submit a dispute with TransUnion online for what ever reason. Ive enclosed a screen shot image of the issue im having that is not allowing me to submit an online dispute.

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