vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On or about XX/XX/XXXX I received a supplemental tax bill and an adjusted tax bill to the mortgage servicer. We had purchased our home in XX/XX/XXXX. 

I emailed my mortgage company as we have the dreaded impound account. I asked them if they paid these tax bills. The response I received is as follows : Please be advised, the mortgage servicer is not responsible for paying the supplemental taxes, it is the borrowers. However, if you would like Shellpoint to pay them, please forward your Supplemental Tax Bill along with your written request to this email address and Shellpoint will pay them. Please note, paying the supplemental taxes can cause the escrow account to be short since they were not calculated into the required escrow balance. Because we are not responsible for paying supplemental taxes, we will not be held responsible for any penalties that may be assessed due to late payment. 

Of course, this leads me to believe they are responsible for the adjusted tax bill as per their email. 

Based on that, I paid the supplemental tax bill on XX/XX/XXXX. 

Then on or around XX/XX/XXXX, I received a delinquent notice for the adjusted tax bill. I emailed the mortgage servicer advising them and they responded that it was my responsibility to provide them with the information as it was not reported on the Tax Assessment Roll Report. Well ... I did provide this to them on XX/XX/XXXX. 

By them not paying this adjusted tax bill, it resulted in a penalty of {$XX/XX/XXXX} which I believe they should be responsible for, not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the XXXX charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: MS

Complaint narrative:
I told them I have paid this debit off before I ever heard from Hunter Warfield.  XXXX took my money and I asked them to not contact my company again using robocalls. She told me that the calls will not stop and they will continue to call me as often as they like. I told her I would report them and before I finished my sentence so cut me off and laughing said go right ahead. I own a towing and recovery business and am fully trained in debit collections myself. I have studied and certified in these areas as directly relates to repossessions of assets. She said if I paid my debit after a certain date i still owe them. Which is completely illegal. If XXXX took my money the account was not charged off. Therefore another company can't collect the debit again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Systems continue to furnish information on credit file. Made several attempts to solve with company. A complaint submitted over 30 days ago, company failed to comply according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the XXXX charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for a bank of American travel rewards card and my application was turned down and a credit was pulled and I received a letter from Bank of America and it said it because I had a existing account with them and it was revoked and I called Bank of America and spoke to a credit rep and she told me to reapply and I did many times and I keep getting declined for the same reason but I had another credit card with Bank of America and it was closed due to lots of fake payments had been made I didnt make these large amount of payments at all and those checking accounts dont belong to me and I had my wallet and my cell phone stolen back in 2017 of XXXX and I didnt make those large payments to my Bank of America account ending XXXX and Im asking Bank of America to open up a fraud case where are those fake payments are coming from that cause them to end there relationship with me .... I did pay off my Bank of America card in full with a loan and today I still cant get a credit card with Bank of America it been revoked ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2019 I received a notice from JPM Chase Bank dated XX/XX/2019 in regard to my Chase XXXX Credit Card Account. In the letter, Chase notified me that due to a recent review of my XXXX  credit report, they have opted to reduce my credit line by approximately 40 %. This change put me in a position in which my card is maxed out compared to my balance and reduced my overall available revolving credit amount, causing further damage to my credit history and score. 

I have always paid my card on time and Chase has increased my credit line twice in the past. I was shocked to receive this notice and even more surprised that Chase was completely unwilling to compromise. 

A credit card company 's solution for less than optimal credit should not be to cause further harm to a consumer 's credit history. If Chase was genuinely concerned about my XXXX XXXX, they wouldn't contribute to lowering my score. I believe this practice needs to stop and I am evoking assistance from the CFPB to assist in this unfair and predatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I lost my job in XXXX, XXXX. I went through my savings and retirement while I was looking for work and didn't find a new job until XX/XX/XXXX. That was a 3-month contracting position that ended XX/XX/XXXX. I fell behind on my mortgage and began applying for a loan modification later in XXXX when I found work but at a fraction of what i was making before I lost my original job in XXXX. I was declined the modification and reapplied when my wife started working as well in XXXX of XXXX. My request was declined yet again and I applied for a short-sale and was approved by Suntrust to pursue it. I listed my home with an agent and got an offer which I presented to them but they did not accept the offer. They gave me until XX/XX/XXXX to get another buyer but they set a price that they would accept which was a new stipulation not in the original agreement and did not constitute a short sale at all but one that would make them whole. 
They also stated that if I did not get a contract by XX/XX/XXXX the would agree to accept a deed-in-lieu of foreclosure but expedited the foreclosure process early in XXXX. Now at a court date on XX/XX/XXXX the foreclosure sale date was set for XX/XX/XXXX. The problem is they never actually tried to modify my loan. I know this because they never asked for bank statements. They explained that I was denied because my income was short by {$150.00} per month. They also explained that my payment would have increased by {$150.00} per month based on their modification process. Basically, their process resulted in a larger payment than the one I could not afford in the first place and that increase resulted in me being denied a modification. Where is the relief? The modification process was a farce. So was the short sale agreement since they introduced new terms after I found a buyer. 
I am now applying for a deed -in-lieu of foreclosure but they have lost parts of my application and tell me I will have to start from scratch if they don't have a complete package by XXXX, XXXX. 
They are now working in good faith and have frustrated me at every turn and only seem interested in seeing the foreclosure process through despite my many attempts to resolve as painlessly as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I recently reported fraud with my checking account. I am waiting for the bank to credit my account. In the meantime, I have contacted all my lenders and credit card companies. All except Navient are willing to work with me. 

My other student loan company offered the option of deferring my loan. Navient just calls almost everyday. The phone calls also included robocalls. Today l received seven calls. I was at work and spoke to someone at the end of my work day. I explained the situation again. They have called me 32 times since XX/XX/XXXX. 

Here is a brief overview of dates and number of times Navient has called me per day : XXXX 2 calls XXXX 3 calls I explained the situation XXXX 3 calls I explained the situation XXXX 3 calls XXXX 1 call XXXX 1 call and I explained that I was still waiting for the fraud investigation to end and for the bank to credit my account. The Navient representative basically told me " That won't stop the phone calls. '' XXXX 4 calls XXXX 4 calls XXXX 2 calls XXXX 2 calls XXXX 1 call XXXX- 7 calls I received all the calls while I was at work and answered the last one at the end of my work day. The representative gave me the option to opt of of robocalls and texts only after I said I would contact the Federal Trade Commission. I explained that I am still waiting for the fraud investigation to finish and for the bank to credit my account. 

I feel that this is harassment and Navient needs to give borrowers options in this type of situation. It is already stressful enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have been trying and have been unsuccessful to correct items on my capital one account ending in XXXX. They are stating I was late on this account on several occasions, which is not true. They show a late payment XX/XX/XXXX and for XXXX and XXXX of XXXX. This information is incorrect and has never been late, but yet they still show on my report as late. I was told by the Capital One customer representative at the time that there was an issue with the system and that may have caused these to show late during the XXXX  year. I didn't think these items would show on my account. I don't believe I should be punished for the mistake of capital one. These mistakes have caused me issues when attempting to purchase a house and it's taking a financial toll on my life as well as my family 's life. Please correct these late payments to show in good standing and show I paid on time. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX  XXXX XXXX owns my loan but the loan is serviced by a company called Shellpoint Mortgage Servicing. That company will not allow me to escalate the issue beyond what they call a " Single point of contact ''. In this case, the man 's name is XXXX XXXX and he has thwarted any and all attempts to stop my home from being foreclosed on. The company has agreed to and gone back on 2 separate modifications and then when we finally negotiated one, I paid {$5000.00} to them and lost my job. I immediately contacted my XXXX and he said that they were going to proceed with foreclosure. I have filed Bankruptcy several times to prevent the sale of my home but can not get ANY responses from this company. 

I have a paper trail of emails that show how evasive and sketchy the points of contact are. The company refused to put the modification in writing or even a record of the {$5000.00} paid. 

This complaint is being filed at the suggestion of a COO from XXXX  XXXX XXXX because of the company 's unwillingness to communicate or work with me and forcing foreclosure as an only option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
I fell behind on my mortgage after my business failed. I have been building my business back up after the crash and I am now able to make payments on my mortgage. I have applied for assistance with my mortgage company and I am asking them to post phone my foreclosure sale date in order to review me for assistance. I have submitted by fax a complete financial assistance package / loan modification request. I wish to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Please see my attached letter case # XXXX. 

Please do not publish this request if American Express and merchant or manufacturer accepts their mistakes and send me a replacement of delivered defective/irregular/damage furniture with the exact furniture that they specified on their schematic, advertised and guaranteed in their catalog/website. People makes mistakes but has to accept their mistakes and handle the customer fairly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-04 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: CA

Complaint narrative:
On XX/XX/XXXX I received a wire transfer from my job of {$6100.00} and {$400.00} was my commission and on XX/XX/XXXX i received another wire of {$5200.00} and {$300.00} was my commission. The same day i deposited the money to my company i get a call from my bank saying they are closing my account because the bank was recalling the money wired to my account. I tried to get a confirmation for the bank but no luck. I filed a police report to see if that would help but still no luck.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: OH

Complaint narrative:
I have been hit with identity theft both from the dark net, and from credit card breaches that occurred at both XXXX  and XXXX XXXX, so I keep a close eye on my credit score. On XX/XX/2019, I noticed a couple of creditors had appeared that I either had not done business with or were reported incorrectly on my credit bureau through Equifax. Those accounts are : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX I sent Equifax a letter on that same day XX/XX/2019, through certified mail with a signature return receipt ( attached to this complaint ). 

On XX/XX/2019, I received a letter from Equifax stating that they updated all 3 of the accounts, and that all 3 of them remain on my credit report ( attached ). Then on XX/XX/2019, I sent Equifax another letter through certified mail with a signature return receipt ( attached ) asking them to either provide proof of their verification method in accordance with federal law, or to delete these incorrectly reported items from my credit report. 

On XX/XX/2019, Equifax sent me a letter ( attached ) stating that they have reviewed the re-investigation, and determined that these accounts will remain on my credit file. They did not provide any proof of how they verified these 4 accounts listed on my credit report. Then, on XX/XX/2019, I sent Equifax a final letter ( also attached ) via certified mail with a signature return receipt. This letter was to give them notice that they are violating 15 USC 41, 1681i ( a ) ( 2 ) ( B ), and that they were to provide me with their method of verification of these creditors or delete these items from my credit report. I also informed Equifax in my letter that I intended to file a complaint if they did not comply with their requirements in reporting accurate information on my credit report. 

So finally, on XX/XX/2019, Equifax sent me another letter stating that they verified the information on my credit report, but again provided no method of verification that they used. As of right now, these 3 items remain on my credit report and need to be removed.

Company response to consumer: Closed with explanation