vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I applied for a loan modification with Shellpoint mortgage on or about XXXX XXXX After a devastating inheritance court matter challenging my inheritance, I experienced a hardship and my credit score was affected negatively - I now have new income and family members who are contributors, certainly sufficient income - in a letter dated XXXX XXXX XXXX, Shellpoint denied the modification - I had questions and contacted Shellpoint - I was told that my home had " a lot of equity, and could I not get a loan on the equity to take care of the arrearages? '' Following the inheritance matter, my excellent credit score was now very low - I am not able to get an equity line until my credit is higher - that is why I need assistance - In this same letter Shellpoint stated that the the payment- to- income ratio is out of the acceptable range - I have not been given any targeted numbers but just this vague statement - I now have a new modification with XXXX XXXX loans on another property with no arrearages and payments in the amount of {$1600.00} are current, This should now be reflected on the credit bureau raising my score also - My land is paid for. - my car is paid for - I have minimal bills. - I am in the process of beginning to clean up my credit and would like a new start - I appealed this decision and have not yet heard from Shellpoint - Meanwhile I was told by Shellpoint to re-file another modification application whic I have done. I understand that it is complete and " in review '' presently. - I hope that Shellpoint will consider my hardship, see that I have turned around things and not base another decision on my credit score - many items on the credit bureau I will dispute - they are residue of the inheritance matter and old debts ( beyond the 4 yr statute in Georgia ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a BOA credit card account ending XXXX that have been closed and the bank is threatening to charge off the balance, although I consider this account is paid off. I started an auto pay schedule in XXXX XXXX for $ XXXX to be processed on the due date which is the XXXX of the each month, I expected the balance of {$2400.00} to be paid in less than 3 years according to the disclosure indicated on the statement then. The bank had attempted on numerous occasions to withdraw the money from my checking act before the due date resulting in overdraft fees, insufficient fund fees accumulation. I have an auto deposit into my checking act that occur on the XXXX of each month that should cover the payment, however the bank had intentionally processed the payment on the XXXX or XXXX of the previous month. After 4 years of making payments on this credit card totaling more than {$4800.00} at an interest of 9 %, I contacted the bank on numerous occasions trying to understand how did this happen? I had no success in reaching any solution and the bank gave me an ultimatum by XXXX/XXXX/XXXX to continue making payments. I stopped making payments on XXXX XXXX and tried to resolve this issue with the bank but no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NV

Complaint narrative:
In mid XXXX XXXX, I initiated a re-finance of my home mortgage through my then current mortgage company, Cardinal Financial. On XXXX/XXXX/XXXX, I paid {$600.00} to Cardinal ( over the phone ) using my XXXX XXXX XXXX card for an appraisal. 
On XXXX/XXXX/XXXX I emailed the contact at Cardinal Financial ( XXXX XXXX ) and informed him I was canceling the process and requested a refund of my {$600.00} appraisal fee. He responded to the email acknowledging receipt. 
Also on XXXX/XXXX/XXXX I began the re-finance process with XXXX XXXX XXXX. I paid them an additional {$600.00} appraisal fee. 
On XXXX, I received a call from an appraiser ( XXXX XXXX ) to schedule an appointment for the appraisal. He came on the morning of! XXXX/XXXX/XXXX. I contacted him at the curb on arrival and it occurred to me to ask him to confirm that he was there for XXXX XXXX XXXX. He said he was there for Cardinal Financial. I explained I had decided to switch mortgage companies and canceled Cardinal three days earlier. I asked if the appraisal could be used by the new mortgage company as both re-finance applications were VA. He said no, so I canceled. The same appraiser called me two days later and re-scheduled the appraisal on behalf of XXXX XXXX XXXX and subsequently completed the appraisal. 
After several email and phone conversations with XXXX XXXX of Cardinal Financial inquiring about my refund I was referred to the VA. I spoke twice with XXXX XXXX at the VA. He said I had paid the fee to Cardinal Financial, not the VA. The VA does n't receive or handle the appraisal fee and Cardinal Financial was responsible for the refund. 
On XXXX/XXXX/XXXX I again spoke with XXXX XXXX and demanded my refund. He said he would refer my request to the proper person at Cardinal. I followed up with an email synopsis to XXXX XXXX. 
As of XXXX/XXXX/XXXX subsequent phone calls have not been returned and there has been no response to my email. I have not received the {$600.00} refund.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: FL

Complaint narrative:
I am filing a complaint against XXXX ( PREVIOUSLY KNOWN AS XXXX XXXX ) for an unresolved issue. It is my belief that XXXX ( XXXX XXXX ) is acting deceptively regarding the student loans they service for the U.S. DEPT. OF EDUCATION. I completed my formal education with an XXXX in the Summer of XXXX. Prior to the completion of my education in XXXX all of my loans were in deferment because I was in school. After graduation my loans went through a number of deferments and/or forbearances. In XXXX, I went through a difficult time which subsequently led to a divorce at the end of XXXX. During this time I was in communication with XXXX XXXX at various times and believed that my loans were either in deferment or forbearance based on what my loans qualified for at the time. I was shocked to learn some time later that some of my loans had gone into a past due status. I was even more shocked and confused when the U.S. DEPT. OF EDUCATION told me that I had loans in default but that the would help me with rehabilitation so that I could get my loans out of default and have all the negative credit information removed from my credit file ( s ) ( including the negative information reported by the loan servicer because I was told they report of their behalf ). I agreed to the rehabilitation even though they should have never gone into this status if the deferment and/or forbearance was applied properly ; however I was absolutely horrified that my credit had been impacted and I wanted to move forward with getting the matter resolved. All of my loans have been rehabilitated and the U.S. DEPT. OF EDUCATION has removed all negative credit information with respect to my loans from my credit file ( s ) but XXXX refuses to do the same. In addition, beginning in XXXX XXXX I replied to numerous e-mails sent to me by XXXX requesting forbearance for my loans. I also called XXXX multiple times in XXXX checking on the status of my loans and was assured my loans were in good standing. I called in XXXX XXXX in response to an e-mail I received from XXXX and spoke with a representative that assured me that the forbearance was approved and I would not have to worry about anything reporting as past due on my credit ; yet XXXX is reporting me delinquent for the months of XXXX XXXX and 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 2017-11-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX is reporting late payments for the months of XXXX, XXXX & XXXX XXXX when in fact the payments were made as agreed. 

Here is a summary of the documentation and reason for dispute. 

In XXXX of XXXX I contacted XXXX XXXX to refinance my home but could not because our home value is still too low and I was advised to contact the Home Preservation Dept about a modification to reduce the interest rate. I began working with the representative of XXXX who approved a trial period of 3 months which would lead to an interest rate reduction. 

I received a payment agreement on XXXX XXXX XXXX with an arrangement of 3 payments of {$2600.00} for the months of XXXX, XXXX & XXXX XXXX. Upon completion a loan modification would be completed. Complete copy of the Mortgage Trial Plan Notice Document included. 

For the months of XXXX, XXXX & XXXX of XXXX payments were phoned in as directed and on time. A copy of the account payment history has been included in the file. Also included in the file is a copy of personal bank statements to substantiate the payments made on time. 

Payments for the trial period were made on time and the modification to rate reduction was approved. Its worth noting that we have never been late on our payment and would not have qualified for the modification had we missed a payment during the process. 

Because the payments for XXXX, XXXX & XXXX XXXX were set by XXXX XXXX that is the amount paid. Therefore there is no justification to consider any payments late. 

When I found out about the late payment reporting in XXXX XXXX I contacted XXXX XXXX customer service. They reviewed my information but informed me they were reporting the payment history correctly. I made several attempts at several levels since XXXX to resolve this issue but have been told the payments made in XXXX, XXXX & XXXX dont count because they were not the amount on my original note even though it was the payment they established for the trial period of the modification. 

The last representative I spoke to insisted to me the dated XXXX XXXX, XXXX stated that they would report my payments late. We went over this document together but she was unable to point out to me where it stated that making the agreed payments to the trial period would result in a 30 day late payment to the credit bureaus. 

Because it was never explicitly disclosed that making the trial period payment as set forth by the mortgage company would in turn cause a late payment, the late payment history should be removed from my personal credit report. 

Please remove the late payments being reported to my credit report for the months of XXXX, XXXX & XXXX XXXX Thank you for your time and consideration in resolving this error XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I CONTACTED TRANSUNION CREDIT BUREAU IN REGARDS TO FRAUD ACTIVITY ON MY CREDIT PROFILE. I HAVE CONTACTED THE COMPANIES AND TRANUNION, SUBMITTED A POLICE REPORT AS WELL AS A STATEMENT AND THREE DIFFERENT 609 LETTERS REQUESTING IN WRITTING TO HAVE ACCOUNTS BE VERFIED AS WELL AS A STATEMENT NOT ONLY WAS THERE NO SOLUTION TO THIS MATTER BUT IT HAS TAKEN A COURSE OF MAJORITY OF THE YEAR AND NO RECOURSE HAS BEEN DONE. I CONTACTED THE FRAUD DEPARTMENT AND THEY STATED THAT THEY COULD NOT ACCEPT THE POLICE REPORT I PROVIDED AND THAT I MUST CONTACT THE COMPANY IN WHICH THE CREDIT LINE WAS OPEN. 

I SUBMITTED THESE DOCUMENTS VIA FAX AND HAVE CONFIRMATION NUMBERS IF REQUIRED. 

I HAVE LETTERS DATED FOR FOR FOLLOWING DATES : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX THE POLICE RECORD FILE NUMBER IS XXXX LOCATION WAS XXXX XXXX CA DATE ON REPORT WAS XXXX XXXX XXXX I REQUESTED TO SPEAK TO A FRAUD SUPERVISOR AT XXXX AND WAS TOLD SEVERAL TIMES THEY COULD NOT ACCEPT MY POLICE REPORT. I AM A XXXX VETERAN AND MARRIED TO AN XXXX XXXX SPOUSE. WE CURRENTLY RESIDE ON XXXX XXXX BASE XXXX XXXX. THE SUPERVISOR STATED THE REASON THEY COULD NOT ACCEPT THE REPORT WERE DO THE FORMAT OF THE REPORT ... ETC. WHEN I CONTACTED THE PROVOST MARSHAL OFFICE IN REGARDS TO THIS MATTER AND TRANSUNION WOULD NOT ACCEPT THE POLICE REPORT THE REPRESENTIVE DIDNT HAVE AN EXPLAINATION AND WAS CONFUSED. I HAD ALSO SUBMITTED THE SAME POLICE REPORT TO XXXX  AND TRANSUION IN WHICH THEY TOOK IMMEDIATE ACTION.

NOT ONLY ARE THE FRAUDLENT ACCOUNTS ARE REPORTING NEGATIVE ON MY CREDIT PROFILE BUT TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE THESE ACCOUNTS. I AM VERY DISAPPOINTED IN THIS SERIOUSNESS AND DELIQUENY IN FOLLOWING UP IN AN URGENT MATTER THAT SHOULD HAVE BEEN RESOLVED FIVE MONTHS AGO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Choice Recovery, XXXX Ohio refused to remove medical bills sent them information that I am covered by XXXX XXXX and XXXX XXXX XXXX Se nondairy. 

Representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: KEYCORP
State: WA

Complaint narrative:
KeyBank sent me credit card convenience checks ( 0 % until XXXX 2019 ) with a slip attached to the checks stating Fee : None. The accompanying letter mentioned : " with a 0 % fee for transferred balances, you can use your checks to : ... travel and entertain ... write yourself a check .... '' And : " ... for a limited time only, you 'll enjoy our 0 % fee for transferred balances using these checks! '' There is no mention anywhere of a fee for using the checks to deposit cash into a checking account. On the reverse of the letter it states : " Is this ... subject to the terms and conditions of my cardmember agreement? A : Yes, except as otherwise described in this offer. 

The offer is clearly intended to mislead and make customers believe there is no fee for using the checks in any way. To be sure, I called KeyBank and was put on hold twice, and then told that the " no fee '' provision was only for transferred balances. I did not use the checks, have no damages, but am notifying the CFPB of this misleading offer. Let me know if you want me to scan documents to you. 

Also, please note that a XXXX search for Consumer Financial Protection Bureau resulted in a list, at the top of which are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: FL

Complaint narrative:
TO WHOM IT MAY CONCERN, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-11-30 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: FL

Complaint narrative:
I am filing a complaint against XXXX ( PREVIOUSLY KNOWN AS XXXX XXXX ) for an unresolved issue. It is my belief that XXXX ( XXXX XXXX ) is acting deceptively regarding the student loans they service for the U.S. DEPT. OF EDUCATION. I completed my formal education with an XXXX in the Summer of XXXX. Prior to the completion of my education in XXXX all of my loans were in deferment because I was in school. After graduation my loans went through a number of deferments and/or forbearances. In XXXX, I went through a difficult time which subsequently led to a divorce at the end of XXXX. During this time I was in communication with XXXX XXXX at various times and believed that my loans were either in deferment or forbearance based on what my loans qualified for at the time. I was shocked to learn some time later that some of my loans had gone into a past due status. I was even more shocked and confused when the U.S. DEPT. OF EDUCATION told me that I had loans in default but that the would help me with rehabilitation so that I could get my loans out of default and have all the negative credit information removed from my credit file ( s ) ( including the negative information reported by the loan servicer because I was told they report of their behalf ). I agreed to the rehabilitation even though they should have never gone into this status if the deferment and/or forbearance was applied properly ; however I was absolutely horrified that my credit had been impacted and I wanted to move forward with getting the matter resolved. All of my loans have been rehabilitated and the U.S. DEPT. OF EDUCATION has removed all negative credit information with respect to my loans from my credit file ( s ) but XXXX refuses to do the same. In addition, beginning in XXXX XXXX I replied to numerous e-mails sent to me by XXXX requesting forbearance for my loans. I also called XXXX multiple times in XXXX checking on the status of my loans and was assured my loans were in good standing. I called in XXXX XXXX in response to an e-mail I received from XXXX and spoke with a representative that assured me that the forbearance was approved and I would not have to worry about anything reporting as past due on my credit ; yet XXXX is reporting me delinquent for the months of XXXX XXXX and 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 2017-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
The mortgage loan was closed on XX/XX/XXXX, and the remaining amount for closing was paid by me on XX/XX/XXXX to the Titling Company. I was not aware that the Title Company would take 48hrs to post the payment causing the payoff to post to Roundpoint Mortgage on XX/XX/XXXX. This in return caused the XX/XX/XXXX monthly payment to be reported as a 30 day late payment to Roundpoint Mortgage. The property that Roundpoint Mortgage was servicing was sold. 

I have contacted the creditor and explained the situation a number of times. I also sent the creditor the letter from the Titling Company showing that is was by no fault of me that the payment was paid on XX/XX/XXXX instead of XX/XX/XXXX. The creditor informed me that it was n't anything they could do about it because they have to report the date the payment posted regardless of what I have informed them. I was current with all my monthly payments due to the creditor the entire time that I had the loan which should further prove I was not trying to be late with any payments..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon checking my credit report, I discovered that the following companies have placed credit inquiries that I have no knowledge of and did not authorize on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have spoken with the companies and Equifax and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by me.

Company response to consumer: Closed with explanation