vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This complaint involves a mortgage payment that occurred during the transfer of the mortgage from one provider to another. Regular payment in excess of minimum amount due on my primary residence, have been made on time for the past 14 years. They are made via bill pay, through my personal checking account. The notification regarding the transfer, new provider and payment forwarding information, was received on XX/XX/XXXX. The XXXX payment was processed by the bank on XX/XX/XXXX. This payment was sent to XXXX XXXX. The provider transferring the mortgage. The new mortgage provider is Shellpoint Mortgage and before any transfer notice was received. On XX/XX/XXXX the first mortgage payment to Shellpoint Mortgage was process through bill pay. On XX/XX/XXXX, I received a notice from Shellpoint Mortgage notifying me that the XXXX payment has not been received and is past due. This notice also indicated that an additional amount of {$400.00} was also now due, with no indication on how or why this additional amount was derived. I assumed it was a late fee. 

I then contacted Shellpoint Mortgage and was advised that the XX/XX/XXXX payment was never received from XXXX XXXX  and for me to provide personal banking information and supporting payment confirmation. I complied with payment history for XXXX from XX/XX/XXXX through XX/XX/XXXX and Shellpoint payments for XX/XX/XXXX and XX/XX/XXXX. This communication was sent via email to Shellpoint Mortgage. I received an auto reply indicating the message was received. 

I have not received any response from Shellpoint Mortgage as of XX/XX/XXXX. 

On XX/XX/XXXX I received a large envelope via regular first class mail. It contained a legal notice from Shellpoint Mortgage that the mortgage payments are behind and that they have the right to foreclose. It also indicated that the outstanding amount is {$2400.00} and that the credit bureaus have been informed about the late payment, missed payment or other default on the account. 

I am at wit 's end. I have contacted Shellpoint Mortgage twice and received no guidance and have sent two emails with supporting information with no response. 

Should I be forced to just pay the {$2400.00}? What confidence do I have that the credit reporting would be corrected. Should I be forced to re-finance? 

It should be noted that XXXX XXXX  has filed for chapt. XXXX protection and the preceeding company, XXXX XXXX has also filed chapt. XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Per the information and accounting provided on Navient 's website, all of the private student loans are paid in full and have a XXXX  balance. It is imperative to note, that Navient has told the DOJ in writing that the account information on their website has been corrected and now reflects accurate information. This is already logged with the CFPB in a previous complaint. 

The attached proof has the date, when the information was accessed, highlighted in the top left corner to show that this is current and being provided by Navient as of XX/XX/XXXX. Navient confirmed on XX/XX/XXXX that all of the information was now corrected. The website is the only way for a consumer ( me ) to review their account information, and is a reflection of the paper statements one may opt to receive. 

However, Navient is still requesting payment for loans that are paid in full. The attached is proof of Navient 's accounting that shows each private student loan has a XXXX  balance. I have highlighted where each loan shows a XXXX  balance owed. However, Navient continues to report erroneous balances and solicit payment through their billing. The most recent billing statement received from Navient was received on XX/XX/XXXX is also attached. 

After the loans had a XXXX  balance - Navient, sometimes years later - engaged in " loan sales '' and then added new balances to my account without any authorization or permission. 

All of these loans had XXXX balances that were reported for months and years per Navient 's accounting - which any reasonable person or entity would say as to be acknowledged and accepted. A company can not report a XXXX  balance owed for multiple years - and then later create a new balance for a customer without any new or additional services being rendered. 

All of the accounting information that shows XXXX  balances was created by Navient and provided by Navient - since this the accounting they have provided for years, there is no reasonable or legal explanation why it is not being acknowledged by them. 

I would like Navient to : ( 1 ) acknowledge the XXXX balances they've reported ( 2 ) declare all of the private student loans as paid in full ( 3 ) cease all further billing activity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
USAA wants members to submit transactions for dispute and not review when then can verify your geo location and biometric signature can confirm or deny if you are the device owner * ( if someone else is not enrolled with their biometric image ) to give a false positive. 

This false positive happened with me and they still act like I am not informed and later dismissed as an XXXX. Who does that? 

USAA has engaged in unethical business practices by only having a short conversation and later to discard what a victim has endured as if life doesnt happen. 

How? Why? 

I havent been able to access my XXXX XXXX and XXXX deposit which I thought was protected no matter what. Especially with it being a XXXX XXXX founded company. I am curious to know what percentage of the US population they get the XXXX  XXXX and XXXX checks knowing I have no food or power and after three days of 30-20 weather alone desperately reaching out for help to hear, oh I am sorry, but I dont believe you are a victim of crime. Really? Want the police report about the XXXX assault?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resolve Partners, LLC
State: MD

Complaint narrative:
I spoke to the manager at the property, XXXX XXXX and asked her to send me a detail copy of the supposedly bill I owed and as of today 's date. I have not received any information. As you look into my credit history I pay my debt in full if it's owed and know that this is not the case for me in this situation. I feel this individual is trying to collect money that is not merited. I asked her what was the debt for and she stated it was for the apartment being left uncleaned, which is highly unlikely for me as I am XXXX. 

So, can you please look into this matter, so it can be resolved and my credit score can be restored. If I get proof I owe the bill then, I will take care of my responsibility, however, I refuse to go around giving out money to people. 

Finally, I will need my account secured with some measure of security as someone has stolen my information and is looking into my credit info. 

I thank you for your attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citi failed to provide the protection they promised as a result of their dispute findings. I disputed a charge from a fraudulent hotel listing on XXXX. XXXX only refunded {$49.00} of the {$98.00} charge. The hotel did not have the room available, so we did not complete our stay. Citi said they would only refund {$39.00} of the charge. Citi says Citi is at your side before, during and after every purchase.. In this case, I was left stranded in a foreign country, and had to look for alternate lodging. Citi failed to offer the protection of the service I was promised, and should be ashamed they protects intentional fraudsters instead of their card users. Below is the information sent to Citi : I am requesting a full reimbursement for my 1 night charge for the XXXX XXXX XXXX reservation # XXXX. I originally made this reservation with the intent on staying two nights. Upon arriving to the hotel, I began the checkin process. As the hotel representative was describing the room, he said it had a fan and good air flow. I paused and asked him if it had air conditioning, per the room details on XXXX. He paused for a moment and said no air conditioning I then mentioned the room reservation said air conditioning, and he said Ok and proceeded to check us in. Prior to him finishing, I asked if I could view the room as it seemed a bit skeptical given his original response. He took us to a room that was not as described in the listing. 
The air conditioner was not working. It was blowing room temperature air. He said the air conditioner would get colder, yet we stood there for 5 minutes and it was the same temperature. It was clear this was not working, as there was a flashing light indicator on the air conditioner that was indicating there was a problem. I asked if there was another room and he said no. Also, the room was currently occupied as there was a bag, toiletries, sandals, and a backpack in the room so it wasnt available for check-in at that time ( Im not even sure the room he showed us was the one we would receive ). Additionally, the room had a musty smell, like smoke or another substance. On the listing smoke free, and given XXXX it was not an option. 
I have contacted XXXX three times on this matter. The final time, the best they said they could provide is a credit for future use. I do not want a credit for future use, so I declined this option from them. I have transcript of the final conversation where they said they would not issue a refund. 
Due to the inaccuracy on the website and XXXX XXXX XXXX failing to fulfill the terms of the agreement, I would like to request a refund of the amount charged to my credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
Wakefield & Associates say I have two accounts opened in 2018 And I have no knowledge of them whatsoever. I disputed with XXXX and they were able to find the same evidence and take it off my credit report? Why XXXX is saying something different is beyond me? THESE ACCOUNTS IN 2018 are NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, several accounts and their corresponding tradelines have either been removed or have never been reported to my Equifax credit report. 

I have had several issues with Equifax including what they said was a mixed file. I had to fax in my identification ( Driver license, passport, etc ) and utility bill to show my address. This was resolved supposedly. 

However, ever since this issue, I have had no new accounts report to my file even though they do report to XXXX  and XXXX  as well as XXXX. 

I have contacted the bank which issues and services the missing accounts and they have all advised me in writing that they are reporting the accounts to all three major credit bureaus. 

The missing accounts are : XXXX XXXX  / XXXX XXXX. Account ending in XXXX opened XX/XX/XXXX XXXX XXXX / XXXX. Account ending in XXXX opened XX/XX/XXXX XXXX XXXX / XXXX. Account ending in XXXX opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My wife opened a chase bank credit card a few years ago. A year ago she added me as a " user '' and I received a card in the mail with the exact credit card number. I recently viewed my credit report and noticed that Chase Bank had added that account to my credit report. Therefore, my credit utilization is much higher and one credit card balance is on two credit reports. My major concern is that we never gave Chase my social security number. And I was quite concerned that somehow Chase was able to access it. My understanding from online research is that this is prohibited. I just wanted to report Chase ' using this practice. And possibly get an answer as to this practice is legal. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
I was referred to collections for a office visit and never informed by the physician about the bill. It could have been resolved years ago. I had a XXXX XXXX account that had the funds to pay for any office visit but XXXX XXXX XXXX office never presented the bill for payment. I contacted the XXXX XXXX and requested the payment of remaining funds to be made to XXXX XXXX XXXX and I also notified XXXX XXXX XXXX XXXX and provided them with proof of the payment. XXXX  and the XXXX XXXX XXXX XXXX is still reporting this informaiton erroneously and refuse to remove it from my credit report. I was never notified about the debt prior to it being reported to my credit report as a collection account and now I am being penalized for an account that I had no knowledge of from the beginning. I paid both accounts and I need for them to be removed from my credit report and updated as paid. 
XXXX was paid to XXXX on XX/XX/XXXX ( cleared by XXXX ) XXXX was paid to XXXX XXXX XXXX on XX/XX/XXXX ( virtual card payment has cleared on XX/XX/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 2020-01-11 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: Conn's, Inc.
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA LETTER FRAUD CLAIM INVESTIGATION RESULTS. Claim # XXXX card end XXXX XXXX XXXX   date Purchased XX/XX/XXXX {$120.00} XXXX XXXX Credits {$120.00} Applied. XX/XX/XXXX No temporary credits ( the credit we deposited at the beginning of the investigation have been reversed ) XX/XX/XXXX USAA LETTER FRAUD CLAIM INVESTIGATION RESULTS Claim # XXXX card end XXXX XXXX Purchased on XX/XX/XXXX. XXXX Credits Applied XX/XX/XXXX {$210.00} ( the credits we deposited at the beginning of the investigation have been reversed ) XXXX Credits {$210.00} XXXX recieved XX/XX/XXXX BOTH paid By Merchants before statement closed XX/XX/XXXX They were returns & only on card few days USAA LETTER XX/XX/XXXX CREDIT CARD FRAUD CLAIM Claim date XX/XX/XXXX card end XXXX ( we previously issued temporary credits to your account in the amount if {$470.00} The temporary credits have been made permanet ) attatched is statement of XX/XX/XXXX I have called 24 times since these XX/XX/XXXX Letters Asking WHAT DATE DID THE USAA CREDITS APPLY? NONE WILL ANSWER There are No Temporary credits There are No Permanet credits Applied at the beginning of the investigation of XX/XX/XXXX, 23, Reps tell me I have to believe them I got the credits MY STATEMENT DOES NOT SHOW AND TWO LETTERS ARE NOT EVEN FRAUD ONLY ON CARD A FEW DAYS BEFORE MERCHANT CREDITED This totals {$810.00} worth of credits I NEVER RECIEVED. THEY ARE NOT ON MY STATEMENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NE

Complaint narrative:
XXXX has taken an account out of it's bankruptcy status and put it in a repossession status. This has been an ongoing issue with XXXX  and XXXX XXXX ( see previous complaint in which XXXX failed to respond to ). This is a clear violation of the FCRA and the bankruptcy protections. This account also updated previously that it was repossessed in XX/XX/XXXX. The account was closed in XX/XX/XXXX. I disputed the payment history because it was inaccurate and they remove it from the bankruptcy all together. Additionally it now lists the last payment was {$420.00} which is inaccurate and the date of delinquency is off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried to get cash from my chase account through ATM machine. I request 20 {$20.00} bills and 1 {$100.00} bill, but got 5 {$20.00} bills and 3 {$100.00} bills. Malfunction machine gave me not only wrong bills and also wrong money amount ( XXXX XXXX  dollars less ). 
I called chase in the same day XX/XX/XXXX ( claim # XXXX ) .After this I found on my account 2 transactions related to this incident : DateXX/XX/XXXX DescriptionReversal : ATM WITHDRAWAL XXXX XXXX ALLER ClaimId : XXXX ( ... XXXX ) Amount {$100.00} DateXX/XX/XXXX DescriptionClaim reversal : ATM WITHDRAWAL XXXX XXXX ALLER ClaimId : XXXX ( ... XXXX ) Amount {$100.00} It looks like no real investigation was made ( if its possible to get 100 % proof amount issue by ATM ), just its imitation by formally follow procedure. 

Please help me to resolve this problem. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: AR

Complaint narrative:
XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX, XXXX TN for {$100.00}. I responded that I disputed the collection attempt because I had never received an invoice from XXXX Hospital. They responded with " proof of debt '', {$99.00}, that had a name that matched mine but no address, phone, DOB. I took the documents to the XXXX XXXX of my family doctor to inquire if I actually owed them anything. They found in their system that I owed them {$2.00} which I did not need to pay. They gave me the phone number ( XXXX ) of XXXX lab and imaging billing which I called, they found me in their system and stated I had no outstanding balance. They transferred me to a separate billing dept. which stated the same. I sent XXXX a letter with this information and never received anything from them after. Then in XX/XX/XXXX, over a year later I received a collection letter from Paragon, XXXX NC, for the same disputed debt from XX/XX/XXXX. I responded to them, they responded by sending me " proof of debt '' for {$100.00} that had a name that matches mine, incorrect phone number, no address, no date of birth, etc, and they reported this as " bad debt '' to the credit reporting companies. As instructed by my attorney I am now reporting this to the CFPB.

Company response to consumer: Closed with explanation