vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I'm not sure, really, what the point of these complaints to the CFPB is. The company just responds and gives the same empty promises and then does nothing. How exactly am I being " protected '' as a " consumer '' here? I'm not. But I will file this complaint, because the company about which I am complaining is apparently lying to me and is doing nothing. This complaint is about XXXX XXXX dba Shellpoint Mortgage Servicing ( formerly XXXX XXXX XXXX ). I have been dealing with them since last XXXX ( 2018 ), or slightly before. My loan got transferred to them from a previous servicer. I had started a loan assumption process with the previous servicer, and once it transferred, I contacted XXXX XXXX to start the loan assumption process with them. 

They immediately sent me the information to do a loan assumption. I got all the information put together and sent it to them very quickly. That was 6 months ago. The loan assumption still has not happened. 

NewRez now claims that they do not have FHA qualified underwriters on staff to do a loan assumption. They told me this a couple of months ago, once I finally got a conversation with one of them. They said they were really close to getting people hired and being able to do these assumptions. They lied, obviously. They now will not even return my calls or emails. 

NewRez lies about loan assumptions. Why did they send me details on doing a loan assumption 6 months ago if they did not have the proper people on staff? 

Is it even legal to not have FHA qualified people on staff? They service lots of FHA loans, right? 

They clearly lied to me 6 months ago. They lied to me 2 months ago. They lied to me a month ago. They just lie. They lie because there is no recourse to them lying. If I lied to them, I would get in trouble. When they constantly lie to me, they do not get in trouble. 

I am stuck here, because I did not choose NewRez. I can not change the servicer of my loan. They are the most pathetic company I have ever dealt with, and I can't do anything about it. There should be some sort of government agency which oversees mortgage companies and helps consumers who have problems with these companies. 

I am submitting this complaint because this is a new complaint, based on NewRez 's lies to me about being " only a couple weeks away from being ready '' to do a loan assumption. This is not a rehash of my old complaints, this is a new complaint. 

I know that NewRez will respond to this complaint with the same nonsense they have used to respond in the past. They will post that information here, and the CFPB will do nothing about the fact that NewRez has consistently lied to me about this whole process. They will not return my calls or emails, and when they have talked to me in the past, everything they have told me has turned out to be a lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Calvary portfolio contacted my roommate who was listed on my account as an emergency contact and provided them with personal information around my accounts and the amounts owed. I have four accounts with them and they have him specifics and all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: DC

Complaint narrative:
On XX/XX/2018 i called ERC to make collection payment i was told by the debt collector that after making the payment the collection would be removed from my credit report. 
The collection still shows in my credit. I dispute the collection with the credit bureau and they always tell me that i have to contact the collection company to have collection removed off my credit. I contact the collection company and they tell me that i have to contact the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland funding LLC contacted my roommate and provided him with the amount I owed to them, and asked him to tell me to call them. Theyve called him multiple times and have contacted me too. I advised them that I am unable to pay the balance and asked them to stop calling me, they still call everyday. I confronted them about telling my friend about my balance, and they stated they didnt tell him, yet he knew the exact balance when telling me they called him. Please help me resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2017, my house was broken in and {$60000.00} face value of US Savings Bonds were stolen. I called XXXX XXXX Police and a crime report was written. I also reported to the Treasury Dept for the bonds being stolen. Treasury Dept directed me to submit some forms to verify identity, to identify the numbers of the bonds, and to convert the paper bonds into ibonds. 
OnXX/XX/2017, Chase Bank in XXXX Arizona opened bank accounts ( # # XXXX & XXXX ) for a person in the name XXXX XXXX XXXX by means of my social security number and California driver 's license number, and let this XXXX XXXX XXXX cash the stolen bonds for {$94000.00}. I do not understand why Chase Bank let this person redeem the stolen bonds even though the names on the bonds do not match this person 's name. 
Chase Bank hurt me gravely. 
1.Treasury Dept asked me to pay back the {$94000.00} plus interest and penalty charges and sent it for collection.

2.Treasury Dept reported to credit agencies for a delinquent account of over {$130000.00} and interests were accrued daily.

3. IRS asked me pay tax on the earned interest as if I had cashed the bonds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase Ink Business card. I received in the mail a promotional offer for balance transfer for 0 % monthly interest rate until XX/XX/XXXX with a 3 % transactional fee of the total balance transfer. I took advantage of this offer online in XX/XX/XXXX. The total amount of the balance transfer was XXXX which posted on XX/XX/XXXX. The transaction fee of {$170.00} posted on XX/XX/XXXX. I made a payment of {$2500.00} on XX/XX/XXXX, expecting that it would cover the normal monthly charges of {$1000.00} ( I always pay the full amount every month ) and some of the balance transfer. 

On XX/XX/XXXX, I was charged {$17.00} interest, which I did not expect. When I called to inquire, I was told it's because I should not have put a balance transfer on a card that I use for other things. And that the interest was due to " how they applied the payments. '' The agent claimed this information was in the " fine print, '' but I find this misleading since it does not make sense that I pay interest charges on some nebulous amount that the agent could not describe to me. That information should be clearly laid out for people. The agent told me that if I had done it over the phone, I would have known.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/2019 I observed a new account on my Experian credit file under the category of collections, XXXX XXXX collecting on a {$370.00} from XXXX XXXX in relation to an auto accident I was in. This was news to me, as the last time I had seen that bill 's balance it was submitted to XXXX for payment under their auto policy claims department, and they hadn't informed me it was paid or not. I contacted XXXX XXXX. It turned out they had not engaged in improper billing procedures and billed me at an address which I did not live at. Regardless I paid the bill with XXXX in full, contingent that the report entry be removed from my credit report. The XXXX XXXX representative said she would quote " do everything she could to have it removed. '' Well, it has not been removed per our discussion, and my disputes about the improper billing procedure have been initiated with Experian. This is why I am writing to complain, because Experian has all the information they need to remove this account. They know that I did not know of its existence until it was observed on my Experian. They know that XXXX XXXX improperly submitted bills to an address that I did not live at. They know that I had an agreement for this account to be removed. They know I have not been late on any payments, EVER, and yet this account remains. I have disputed it multiple times. Each time Experian waits a day and then takes no action, and just marking the dispute as completed without removing the account. It hasn't been properly handled. It should be removed. My theory is that no one at Experian has read or understood the content of my communications, and that no one at XXXX XXXX has bothered to keep our agreement to remove after I held up my end of the bargain and paid in full. In conclusion this account should never have been in collections. If I had been billed properly at my actual address I would have known it existed, and paid it.

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 2019-04-07 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: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I agreed to pay this debt off for a lesser amount and the company was suppose to remove this off of my report because I no longer owe nothing or any corporations this debt was prepaid off!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a 15 year mortgage with Bank of America taken out in XXXX, now in its last 4 months of payment. I have never missed a payment nor ever paid late. As a matter of fact Bank of America has taken payment automatically from the checking account which I maintain with them on the first of the month with funds being available every time the payment hit the account. 
Around XXXX I noticed on the paper statement that is sent to me, a statement in bold type, that my mortgage account was " subject to a bankruptcy case or discharge ''. I have never filed or been involved with a bankruptcy. I called several times over the years to try and get this removed. To no avail. The issue of this statement appearing on my statement came into critical focus as a potential problem when another institution which I have applied for home financing asked me to send them a copy of my mortgage statement. I have asked Bank of America to send me a " clean '' statement, which I have yet to receive.

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 2019-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
USAA has locked me out of my account. I called for them to unlock my account I gave them my e-mail address which I use to send me a security code for me to log into my account and USAA told me they couldn't send me one. XXXX check company even though I had money caused me {$170.00} in overdraft fees, USAA refunded one set but has refunded the other 6 overdraft charges which totals {$170.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a Pay As You Earn Loan/Teacher Sloan Forgiveness and was approved ; therefore, my payment on my account was {$0.00}. I was told that my loan would be forgiven if I worked for a Title I school for 5 years in CA. In XX/XX/XXXX Dept. Of Ed/Nelnet reported to the credit reporting agencies I was 130 days past due, which is inaccurate. I called them and they said that my loan expired and so they sent my information to the credit bureaus without notifying me that it needed to be renewed. It is unlawful to report false information to the credit bureaus. They never contacted me and when I spoke with them on the phone, the CSR confirmed that my payments should be at {$0.00} for the loan I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX I got a bill from America express for {$95.00} annual fee I called and changed my card to a none annual fee account and they changed my card send me a new card I already receive it. 
Now I got another bill do I called customer service because I dont want to get late fee the customer service rap tells me that i should make a payment to avoid any fees I ask her why I changed the account and already reviewed my new card as well U cfpb are jokers r u aware of how banks XXXX off consumers by doing these stupid Fraud making customer to pay for a annual fee that been changed Shame on cfpb Shame on American Express

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-07 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: TX

Complaint narrative:
Equifax added two inquiries to my credit report from the brief period XX/XX/XXXX-XX/XX/XXXX. These inquiries are from XXXX XXXX XXXX XXXX , XXXX and XXXX which I have never allowed to perform any soft or hard credit check and neither am I interested or was ever interested in their services. From a quick online search both companies have come under scrutiny after claims they make inquiries and check credit without one 's acknowledgement. Currently, XXXX XXXX XXXX is in the process of a class lawsuit for doing this ; and XXXX has a website to report these cases which I have reported. I have not heard back from both companies and consumers state they have asked directly to get these unauthorized inquiries removed without success. I have also frozen my credit report file under Equifax 's service online and have taken further steps to prevent such incident due to a possible Equifax breach. I have tried contacting Equifax but was unsuccessful as I was told by a representative they can not remove inquiries even if they were not authorized ; that it was " a job for the companies that reported them '' to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hey CFPB, I have written you guys today to report an outdated inquiry that still reports on my Experian Credit Report today. The information that outdated is from XXXX XXXX/XXXX XXXX XXXX. The Removal Date that is stated on the Experian is XX/XX/XXXX. Today date is XX/XX/XXXX, which means that the inquiry is, in fact, an error. If you need any information or verifying who I am, feel free to call me at ( XXXX ) - XXXX -XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have these two collection accounts on my credit report from a company call portfolio recov assoc which i have never done business with. It appears those two accounts are original from two XXXX XXXX credit cards that i had more then seven ( 7 ) years ago and those accounts were charged off. Now, portfolio recov assoc started reporting both them on my credit on XX/XX/2018, one with the balance of {$2400.00} and the other {$1000.00}, they also appear on my credit as derogatory marks. The balances they are reporting are also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received {$200.00} as savings account bonus for a promotion by Chase in XX/XX/XXXX. The bank reports this as interest income on XXXX XXXX. However, for the last year they didn't send me one. When I called them up on phone, on multiple occasions the representatives gave a false reply that they don't report this on a XXXX XXXX even though my husband received a XXXX XXXX  for the exact same promotion in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a Pay As You Earn Loan/XXXX Sloan Forgiveness and was approved ; therefore, my payment on my account was {$0.00}. I was told that my loan would be forgiven if I worked for a Title I school for 5 years in CA. In XX/XX/XXXX XXXX. XXXX XXXX reported to the credit reporting agencies I was 130 days past due, which is inaccurate. I called them and they said that my loan expired and so they sent my information to the credit bureaus without notifying me that it needed to be renewed. It is unlawful to report false information to the credit bureaus. They never contacted me and when I spoke with them on the phone, the CSR confirmed that my payments should be at {$0.00} for the loan I have.

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 2019-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information concerning this consumer to consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My son discovered a fraudulent activity on his account XX/XX/2019. I am as his father listed as a signer on his account and ultimate responsible for the account. My son contacted the bank immediately and begin their process to start an investigation into the matter. We discovered during the call it was a ATM deposit in the amount of {$5200.00}. The individual ( s ) turned around and withdraw XXXX dollars cash. We thought after a 3 hour encounter with USAA representative the matter was being resolved. On XX/XX/2019 my son called to check to status and the representative stated they were still looking into the the matter. I then called and spoke we a rude lady in the " executive customer service side '', she called my son on three way and verified his account, and then went into the script that he is responsible for the money and he did it or allowed someone to get into his account. My son informed her we are 2 hours away from where it happen and he never helped or did anything to allow someone to have access to his account. At that time I asked, what is the next steps that we can take to dispute the matter as no one has contacted us since the last concern. She said, you can get a police report and then send it in, we may look at it. My son said if you may look at it that would be pointless, she then says since you refuse to make a police report you must be involved. I then said he didn't say he refused to make a police report. He is clearly stating what is the purpose if you all aren't going to look into it. The call was then disconnected. I then called back and spoke with a XXXX he says the notes are on file from my conversation with him. My son filed a police report and he is sending it in. I started looking online for similar incidents and I am finding multiple USAA student accounts are experience the very same thing and USAA is doing nothing about it beside making every person pay for the fraudulent activity. This is serious concerning and may have affected 100 's of individuals, from my hour research I have located 25 people in a 3 month frame that had experienced this. 

Police report filled : City of XXXX, # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation