vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Subject : shellpoint Loan : XXXX ( Rate Correction ). 

Dear CFPB & AG office : Greetings, attached are documents confirming the Shellpoint interest rate error that occurred on my loan in XX/XX/XXXX. Shellpoint raised my loan rate to 3.75 % in XX/XX/XXXX, ignoring the fact and document that XXXX XXXX   Locked our loan rate in at 0.01 % for the life of the loan on XX/XX/XXXX ( Attached XXXX Document and loan statements ). 

1. This error occurred 9 months ago and still has not been corrected, despite my continued phone and written communication and documentation to remedy this error with ShellPoint. 

XXXX XXXX  Locked our loan rate in at 0.01 % for the life of the loan on XX/XX/XXXX ( Attached XXXX  Document and loan statements ). 
Please credit my XX/XX/XXXX to Present loan payments to the principal of my loan and credit interest paid for these months back to my account. 

I have Communicated this Shellpoint Interest Rate Error with the following Shellpoint Managers seeking their assistance in resolution via documentation and written contact. without success : 1 ). XXXX XXXX, 2 ). XXXX XXXX, 3 ). XXXX XXXX, and 4 ). XXXX XXXX as well as the 5 ). Shellpoint loan servicing department Shellpoint must correct their error by : 1. Correcting my Interest rate to the lifetime lock rate of 0.01 % for all months past and present of the loan. 
2. Credit my account the over interest payments made since Shellpoint 's XX/XX/XXXX Interest change to 3.75 %. 
2. Mail a New XXXX Corrected ( Interest Paid ) statement and 3. Correct XXXX interest paid statements to reflect the correct 0.01 % Rate. 

Thank you for expediting this matter. 

Regards, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have continuously received calls from XXXX, which appears to belong to Midland Credit Management. They do not leave any voicemails indicating the reason that they are reaching out, but have tried to contact me from various phone numbers in the past. I do not have any past due balances on any of my accounts, so there's no reason that they should be attempting to reach me from various numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Ex-husband used my information to get a parent loan for his biological daughter under my information and social security number. This did not come to be known until we were in midst of divorce and it showed up on my credit report. It was agreed to and acknowledge by the judge and in our divorce decree and court judgement that he would be responsible to pay this loan off and get it out of my name and off my credit report as it was fraudulently obtained without my knowledge and/or agreement. I have notified the " loan plus '' hotline and they have in the past put a hold/deferment on this loan as my ex-husband is currently in default of the court order and has been held in contempt of court. 

I do not understand why I being penalized for his fraudulent behavior and why this is still attached to my social secruity number, " my debt ratio '', and i have to manage this on my credit report when it was not my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
CAPIO PARTNERS added a collection to my credit reports without my knowledge. 
I have never received any written correspondence from this company. CAPIO PARTNERS reported this collection to XXXX, XXXX, and XXXX in the amount of {$420.00}, opened on XX/XX/19. This information is invalid. I have no knowledge of where this debt comes from. I have not received any correspondences from the original creditor or this company. CAPIO PARTNERS putting this collection item on my credit reports without my knowledge violates the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. This letter is required under law and states my right to dispute the validity of the debt within 30 days. They took that away from me and it is illegal to do so. They have not only done this once, but TWICE without my knowledge on XX/XX/19 and XX/XX/19. This item needs to be removed from XXXX, XXXX, and XXXX immediately as I have no business with CAPIO PARTNERS nor was a debt validation letter sent to me. No signed contract by me, bill, nothing. This needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Came to make myonthly mortgage payment to wells fargo bank. As I get to the counter and give my information to the bank teller, bank teller is unable to find my informaion and tells me that she sees my account but can not access it. She then tells me that my loan has been sold although it does not show to whom. I have not received notification over the nail about this change. I dont want to be late on my payment and dont want late charges. Please advice XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
My name, social security number and date of birth was given to Early Warning Systems for a {$28.00} dollar over draft balance. I was never notified of the balance even after calling XXXX XXXX XXXX numerous of times asking why my account was closed. All the kept saying was we can't do business with you at this time. Now I'm having a hard time opening up an account anywhere else for {$28.00} dollars. I'm a hard working tax paying citizen that is being taken advantage of and ignored. I submitted a dispute with Early Warning nearly 6 months ago and never heard anything back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I have tried and tried to reach Ocwen/XXXX XXXX XXXX. I have called repeatedly, waiting on hold for sometimes 1hr then abruptly dosconnected- I have sent several emails, to include a modification application and never get a response. I have requested 3times via US mail, a in person meeting to discuss my options - or even get a pay off amount -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax had made an error reporting a Hard inquiry by XXXX XXXX - XXXX and told me over the phone the inquiry isn't even mine but have done nothing to remove it, no emails, no calls, nothing. they have my name reported incorrectly and have not updated my address in seven months, the other credit bureau XXXX  has done everything correctly but Equifax has not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have an American Express Serve Care. There is a disputed charge on card for {$69.00} with XXXX, who Ive never heard of and cant contact for credit! 
I have store credits from XXXX, all made by merchant on same day! American Express has credited some but not all, for no reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
This company i have no knowledge or business with ever is trying collect a dept i have no contract with nor there affiliate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: KY

Complaint narrative:
A little over 4 years ago I moved out of an apartment I shared with a room mate. I moved in with my then fiance. He was supposed to get the water bill switched over into his name. A few months later his mother passed away from XXXX and he moved back to Alaska. I have since lost touch with him. He never told me about this and I did not notice this until I opened a XXXX XXXX account a while back. 

Derogatory mark : Collection Opened XXXX XXXX I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX, KY 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 explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My debit card was to be replaced due to unauthorized use. With that in mind I explained to capital one that I was in another state working, and my card needed to be sent to this location. And my address had already been updated in there records with this address, and they sent it to the d address. And at this time in my need of my money from my account to pay my motel bill, capital one has refused any option to send wire transfer money to me, putting me out on the street in a city I dont live in nor know anyone. And yet they have done nothing but rudely argued that its not there problem and there is nothing as the representative said again today when she said let me advise you once again you will not get your card today. Even when the second card was issued and promised to arrive on the 29 which even there app has that listed. They have no remorse nothing to say about there fault with sending my card elsewhere and refuse to help me in anyway to get my money to pay my hotel bill. Ask for the recordings and see if that doesnt open your eyes to a deceiving bank that doesnt care about anyone. This has caused me to have to sleep on the street! Is this really how banking with these immoral people should be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Someone open an account in my name in XX/XX/XXXX with Barclays Bank. I noticed it on my credit in XX/XX/XXXX. I have filed a police report and a fraud report with Barclays and it now almost XX/XX/XXXX and I have no answers. My credit dropped 140 point from XXXX to XXXX. Every time I talk with Barclays they seem to have gotten nowhere. The police told me they notified Barclays about an IP address where these people applied for a card in my name months ago. 
This problem needs to be resolved since its ruined my credit. 
I want to sue not only the person that committed fraud but also Barclays for not verifying any information these people put on this application. It is simply unacceptable.

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 2019-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Received alert on XX/XX/XXXX from credit monitoring company that my Capital One Card has increased by {$1600.00} from {$0.00} Dollars. Last month I paid off that card and should have a {$0.00} balance and be paid in full with account closed. based upon the screen shot this has to an error on their part as the dates do NOT line up. They are saying that credit utilization as of XXXX XXXX was 0 % and at XX/XX/XXXX it was at 64 %. 

XXXX and XXXX both are reporting that both accounts have been closed and settled. 
See attached documentation ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: CO

Complaint narrative:
Disputed a collection account being reported on my Experian and XXXX credit reports from XXXX XXXX, XXXX of Wyoming. Sent dispute letters via U.S. Mail on XXXX, XX/XX/2019 and XX/XX/2019. Experian and XXXX claimed that this debt was verified all four times, but was offered no proof that this debt was indeed mine. Since no proof was offered that this debt was mine, I demanded that this account be removed from my report. As of the writing of this complaint the account has not been removed. I also contacted the collection agency and they also have been unable to prove that the debt is mine nor have they removed the account from my Experian credit report.

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 2019-06-29 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: NC

Complaint narrative:
Someone open an account in my name in XXXX of XXXX with XXXX XXXX. I noticed it on my credit in XX/XX/XXXX. I have filed a police report and a fraud report with XXXX and it now almost XXXX and I have no answers. My credit dropped 140 point from XXXX to XXXX. Every time I talk with XXXX they seem to have gotten nowhere. The police told me they notified XXXX about an IP address where these people applied for a card in my name months ago. 
This problem needs to be resolved since its ruined my credit. 
I want to sue not only the person that committed fraud but also XXXX for not verifying any information these people put on this application. It is simply unacceptable.

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 2019-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I assumed fha loan 1989 XXXX XXXX bank sold to XXXX who approved for modification pay went from 600 to 300 interest rate down 3.5 % now sold to chase need to pay a month late husband past offer me  modiication first so good why not but how low can go never had refinance second mortgage interest rate paid down to principal 30yr coming up modification approve only incentive XXXX saving on note i felt scam worst part get call ask if i want second loan insured what 2nd loan 25yr never believe second loan call chase explain since note current had pull XXXX out show past due so where is XXXX on back end i see no c hange 30 pay drop now i am stuck with brand new loan 30yr fixed 2nd mortgage no worry you no sell you no pay not accept took 2yr they sorry for 2nd mortgage once see i wont stop call ch 2 new everyone who listen claim small error gave me letter say really owe about XXXX i ask why scam mod was told 5yr dexuct XXXX from principal stall tactic now agent no longer work gave me false incentive i assume XXXX loan try make me pay 60yr so u fair start my mission all over i never refi modification is to enhance your plan i did not need 30yr i was at end i feel scam XXXXyr old never wil see deed help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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 had a 0 % interest promotional balance that expired on XX/XX/19. I checked the statement before that to ensure I had the right $ amount I was paying plus the monthly minimum, plus the annual account fee. 

They charged me interest of {$1.00} on the annual fee the same month they put the charge on my account. Now they have not applied my payment to the 0 % promo that was expiring and have charged me approximately {$98.00} in fees plus another {$1.00} in fees My statements show the amount was due, I paid it and they credited my account 3 days before the expiration and I paid more than what was due. 

I had two 0 % balances and they applied to the other balance that is due in XXXX instead of the one that was due in a few days. I had even received an email reminding me of this being due, so they have to know that was what I was paying. I've had promo balances before with them and other companies and never had this happen, they've always applied it to the right balance. 

I have been a customer for over 20 years with them and I just can not believe they are doing such inappropriate things. 

I have called two times and my first call which I waited over 20 minutes was disconnected and I had to call back. When I called back I decided to use the call back feature which said I would be called back. I have not been called back. I'm going to keep trying to call and resolve this in the meantime. But this just isn't right. I'm a good paying customer and I always pay my bill on time or early.

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 2019-06-29 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Received alert on XX/XX/XXXX from credit monitoring company that my XXXX XXXX XXXX has increased by {$1600.00} from {$0.00} Dollars. Last month I paid off that card and should have a {$0.00} balance and be paid in full with account closed. based upon the screen shot this has to an error on their part as the dates do NOT line up. They are saying that credit utilization as of XXXX XXXX was 0 % and at XX/XX/XXXX it was at 64 %. 

Equifax and XXXX both are reporting that both accounts have been closed and settled. 
See attached documentation ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: CO

Complaint narrative:
Received alert on XX/XX/19 from credit monitoring company that my XXXX XXXX XXXX has increased by {$1600.00} from {$0.00} Dollars. Last month I paid off that card and should have a {$0.00} balance and be paid in full with account closed. based upon the screen shot this has to an error on their part as the dates do NOT line up. They are saying that credit utilization as of XX/XX/2019 was 0 % and at XX/XX/2019 it was at 64 %. 

XX/XX/XXXX and Experian both are reporting that both accounts have been closed and settled. 
See attached documentation ...

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 2019-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I went by the cable company that placed the accounts on my credit they told me that it did not mach my account information with them. But they couldn't do anything about it and I had to file a police report to say it was fraud. But the I don't know if it was fraud because the only info that matched mine was the name and birthday ( XX/XX/XXXX ). Everything else was different. This was XX/XX/XXXX.

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