vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I would like to submit a complaint against the XXXX XXXX XXXX  XXXX dba Shellpoint Mortgage Servicing regarding their insincerity in communication with a customer and the delayed internal process which caused an actual loss of customers money. 

In late XXXX ( around XX/XX/XXXX ), I have sent a request via the companys website ( XXXX XXXX XXXX XXXX XXXX ) to figure out my loan closing ( payoff ) process. As I was preparing on the sales of my coop apartment and I knew my mortgage with XXXX XXXX has been transferred to XXXX XXXX XXXX recently ( XXXX ), I have reached out to them in advance and wanted to check the status of my original loan documents transfer in order to set the closing date. Like other coops, my coop also requires bringing two original documents ( Original Stock Certificate and Proprietary Lease ) which the mortgage bank currently holds at the closing. 
Even though the company says they will reply back within two business days, I never received an email or a phone call from them. I sent few more requests later and also emailed to XXXX but never received their response. When I reached out to them via phone call, I was able to talk with their representatives but they kept saying that they do not have any update on my documents I gave them my contact info so that I can talk with their supervisor ( XXXX XXXX ) but she also never called me or emailed me back. 
So its been one and half month since I contacted them and until now I have no update on my original documents so I am not able to set the closing date of my coop apartment sales. I was supposed to close on XX/XX/XXXX but it has been delayed till now only because of their delayed process. Every day, I am losing my money about {$76.00} for the mortgage and the maintenance fees. And also, my purchaser has to extend his 1-year lease agreement if we fail to close within this month. 

My mortgage loan has been transferred to XXXX XXXX XXXX on XXXX and 67 days ( 45 business days ) have passed since then. If XXXX XXXX XXXX can not find my original documents by today, they have to admit a loss of the documents. And they have to pay {$400.00} to obtain new original copies from the coop management. I am already losing {$1800.00} due to the companys delayed process so the companys immediate action is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a fraudulent charge on my capital one credit card. 
I momentarily shared with capital one by placing a call to them when I received a message that there was a charge on my card for {$560.00}. 
They explained to me that I was not responsible for this charge and they would issue me a credit by midnight that day. The following day I logged into my account and I saw that they did credit my account back to its normal balance. I also received a letter stating that they would refund my account for the charges. I went to pay my credit card yesterday XX/XX/2018 and noticed that they have removed the credit that they had applied to my account. Needless to say I am extremely upset that they would do such a thing add the credit back and then remove it for no reason. When I spoke to the fraud department to supervisors XXXX and XXXX. They both claimed harshly that I would not be credited until the investigation was over. I explain to them that I received a letter telling me that my account was refund it and they just simply blew that off. I told him you can't send a letter to a customer telling them that your accounts credit it back to its normal state and also have me log into my account and see for myself that it was credited back to my account. However I go to pay my bill and I see that they have remove the credit. This is beyond way not acceptable and should be handled in the proper manner. That is why these big companies are insured why should a customer have to wait. This is unbelievable please help me correct this problem! If this was my only credit card, this would not be helpful for me & very sad. Also my credit card was sent to my old address, although I had gave them my new address. Anytime I use my credit card on mine I had to type in my ZIP Code and the ZIP Code that I typed in was my new ZIP Code not my old one. Which clearly lmakes me question why they would send it to my old address. And also how can my credit card be used if it had already expired. It expired in XX/XX/2018 and this charge was made in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: TX

Complaint narrative:
I cancelled my XXXX XXXX account on XX/XX/2018 due to under performance and terrible customer service. I received a confirmation number of XXXX and was told my account was closed and I owed {$13.00}. The month of XXXX and XXXX, I start receiving calls from XXXX XXXX XXXX stating I owe {$320.00} for an outstanding balance I had with them and thier XXXX account, which I never had. I used XXXX XXXX, as XXXX  was not available in my area. I spoke with at least 10 different people in a number of different departments and they were unable to explain to me how these charges were brought up. I believe there was an internal communication error during the XXXX XXXX XXXX XXXX XXXX merger. They have since sent me to collections with XXXX XXXX XXXX XXXX and they are now trying to collect the debt. I spoke with them and they said there is nothing they can help me with and that XXXX XXXX XXXX is not in the wrong. I need help with this please or some explaination. I feel XXXX XXXX XXXX is bullying a long-time, loyal costumer and trying to make me pay for a service, long after Ive cancelled that service with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX   4. XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX 5. XXXX XXXX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Due to Citi Bank freezing my funds and refusing to close my account I was unable to conduct business, pay bills, pay rent, pay loans, pay employees etc. 
My credit has been effected negatively in a big way ; now I am unable to conduct my buisness or apply for loans. 
as of XX/XX/2018 I have not received my money. 

The bankers in the back office were rude and not helpful. 
I expect the gentleman I spoke with on XX/XX/XXXX, who was unprofessional and rude to be talked to and it fired ; I will be waiting for a letter of apology from him as well. This man took out a personal vendetta against me and refused to release my money. 
He is responsible for this entire issue. As an employee of Citi bank the bank will now be healed responsible for his actions and the negative impact on my credit score.

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 2018-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
The Toyota Financial Services ( " TFS '' ) account existed due to a two-year lease of a XXXX XXXX XXXX. The lease ran from XX/XX/XXXX to XX/XX/XXXXand the car was returned promptly at the end of the lease term in XX/XX/XXXX. In XX/XX/XXXX I was notified via mail that I had a balance of {$880.00} owed to TFS for a Disposition Fee and Excessive Wear and Use Fee. 
At the time I spoke with a TFS representative regarding the Excessive Wear fees and contested some of those charges. Per our conversation it was agreed that a portion of those fees ( precisely {$440.00} ) would be waived, as they were not reflective of true wear and tear on the vehicle in question. As a result I paid {$430.00} on a check dated XX/XX/XXXX. Per TFSs representative instruction the note section of the check unequivocally states, " Amount Paid in Full Following Contestation. '' TFSs representative assured me this wording would indicate the excess charges had been reduced and I had no further balance. This check was cashed and I was informed the account was closed. 
I was surprised to receive a notice of an outstanding amount of {$440.00} that has been sent to collections ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). I have spoken with a TFS representative ( XXXX, Agent ID : XXXX ) who referred me to XXXX XXXX XXXX ( XXXX  ) for further information. I refuse to call in order to discuss any debt as my previous conversation led to this matter in the first place and I prefer to conduct all dealings in writing as proof of what has transpired. 
The only amount that I would be willing to settle on is zero dollars ( {$0.00} ). My attempts to resolve this matter in writing has led to an offer to settle for {$350.00}. This is outrageous since I was already assured that my previous payment of {$430.00} would fully settle the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
As far back as XX/XX/2018, and around XX/XX/2018 and sometime after, I spoke to an " XXXX '' and " XXXX '' from XXXX XXXX who told me if I paid the {$940.00} debt in full I would receive ( 1 ) a paid in full letter and ( 2 ) the two derogatory accounts would be deleted from my credit report. 
( see attachment ) of both XXXX XXXX XXXX  and XXXX XXXX XXXX  are is still reporting to the credit bureaus. This debit has been paid and I was expecting it to be removed from my credit report. I have been unable to rent an apartment and I have been turned down for several jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XX/XX/2018. 

I was contacted by XXXX. XXXX XXXX XXXX initially verified my birthday. But I told him I can't verify his contact and calling. He told me the amount to be paid for credit card is {$330.00} for past due by today and {$1300.00} for entirely clear the payment to activate the account. Otherwise, the card will be closed and won't be available anymore. The card can't be used for a while already. It has already been stopped. He said I can't login to the website but I can provide him with my debit card number by phone to pay him. I am suspicious about giving him my debit card number that he should have known that already. At first, XXXX told me the online banking account will be closed without any entrance to the bank account. Later, he said I can either pay by phone with debit card or still login to use the debit account. I don't know how the payment can be made in the future if the debit account or online banking login is blocked or closed. It's not very consistent. His phone number is unknown from the calling list. This is my first experience on this and don't know how to verify his identity by looking at the phone number. I did have two late payment and the card is not available for a while.

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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL 3 " CRA '' CONTINUE TO REPORT SERIOUS ERROR OF FRAUD ACCOUNT/ PUBLIC RECORDS CH XXXX BANKRUPTCY ... NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
As of XX/XX/2017 public records items were " deleted '' from my report ( see enclosed doc ). The items have been added back to my report in violation of FCRA regulations. Please remove items an take the necessary steps to prevent them from returning ...

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 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Trident Asset Management, L.L.C.
State: NC

Complaint narrative:
I received an collection letter from these ... .. in XXXX of this year. The letter never provides an e-mail or fax number for me to respond in writing. The ONLY option I was provided to prove that I have notified them to cease is to pay for certified mail. I am certain this is deliberate because if I send the letter regular mail, they could claim they never received it. Anyway, I immediately called to try and obtain other communication, but was only given them options I stated above. I contacted the BBB on XX/XX/XXXX ; specifying the above. At that time, they were put on notice to no longer contact me. 

XX/XX/XXXX Today, I received another letter of collection from these ... ... AGAIN attempting to collect a debt. This is a direct violation of the FCRA as I have informed them NOT to contact me. 
I will ONLY deal with the original creditor as is my right. 
These ... ... are also the subject of a class action lawsuit filed XX/XX/XXXX. They must be put out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
I applied for a mortgage and found an account from XXXX XXXX on my credit. I never got any collection letters from them giving me the right to dispute the debt. So i sent a dispute letter certified mail to them on XX/XX/2018. Never got a response. Than i sent another letter to them again certified on XX/XX/2018. Still never got a response. They think that because i am a XXXX XXXX  living in this country that i do not know my rights or how to enforce them. I am having an attorney review this case to sue them for not doing their legal job and violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are two addresses present on my credit report. One of them is incorrect.

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 2018-08-13 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: Bonneville Billing and Collections
State: CO

Complaint narrative:
this is not my debt it belongs to my sister who has a ssn one number off from mine, furthermore the orignal opening date would have been on XX/XX/XXXX not XX/XX/XXXX that was when her account was originally opened, the dates and the amount is listed fraudulent on my credit report with XXXX and XXXX, XXXX  has already removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL 3 " CRA '' CONTINUE TO REPORT SERIOUS ERROR OF FRAUD ACCOUNT/ PUBLIC RECORDS CH XXXX BANKRUPTCY ... NOT MY ACCOUNT

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 2018-08-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL 3 " CRA '' CONTINUE TO REPORT SERIOUS ERROR OF FRAUD ACCOUNT/ PUBLIC RECORDS CH XXXX BANKRUPTCY ... NOT MY ACCOUNT

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 2018-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a senior citizen and on XX/XX/XXXX I decided to go to my bank 's website and take a look at my recent checking account transactions. I noticed one ACH transaction on my statement that I was not familiar with ( XXXX ) in the amount of {$17.00} and called the telephone number included with the transaction to try and get more information. I was told that they are a " Hospital Accident Protection '' insurance company ( XXXX XXXX ) and worked with my bank ( Regions ) to offer me a policy with this company in XX/XX/XXXX. I would never agree to accept such a policy nor would I agree to have monthly debits ( {$17.00} ) made from my checking account to pay for this. I told the person on the phone that I never agreed nor authorized their company to give me a policy or withdraw {$17.00} each month. I asked what her name was and where they were located and she replied that they were in the XXXX and she offered to cancel my policy and send me a letter confirming the cancellation. I said I wanted my money back for the last 44 months they have been making unauthorized monthly debits and she said she would also send paperwork to arrange for the refund. I then called my bank ( Regions ) who researched this so called affiliation to offer policies to their bank customers and the bank could not find any information nor could they confirm that I was offered and accepted this policy. After explaining that money has been fraudulently deducted from my checking account since XX/XX/XXXX they said they would explore the matter further and possibly refund for only the last two ( 2 ) years. They will notify me when a determination is made.

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