vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
i have owned my home for 20 years and shellpoint mortgage just bought my mortgage in XX/XX/XXXX from XXXX XXXX. They wont take any payments from me and files for foreclosure. I was in a bankruptcy chapter XXXX from XXXX to XXXX and paid double payments of {$980.00}. My mortgage was XXXX and i paid {$430.00} a month for 13 years, and i paid XXXX for 5 years. At the end of the bankruptcy XXXX said I was making wrong payment and was still behind. I paid over XXXX in 5 years. So thats impossible, and now till me i owe XXXX, thats more then i even started with. XXXX added XXXX to my mortgage in the bankruptcy and now shellpoint is doing it. In reality I should only owe about {$35000.00} left on my mortgage. My bankruptcy was handled wrong and Im being overcharged completely for somthing I didnt do. I paid what the Judge told me to and never had a problem paying my mortgage. I am not on XXXX and connot work but I do recieve ssi of XXXX a month. I stopped working in XXXX and went from making XXXX to XXXX a year.XXXX XXXX XXXX said I owed XXXX in XXXX and I paid XXXX from XXXX to XXXX in chapter XXXX plus I made payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and then XXXX stated I was declined for modification. I need help, my mortgage is being handled wrong and so was my chapter XXXX. I dont want to lose my home. Can you help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been declined credit based on bankruptcy information being reported by Wells Fargo Dealers at XXXX. The bankruptcy was removed from credit reports on XX/XX/XXXX. I have been submitting disputes and request to Wells Fargo to remove information in the remarks section of the credit trade line ( REAFFIRMATION OF DEBT CH XXXX ) or remove account from credit report, since the account was closed over 6 years ago and and they refused. The information from Wells Fargo Delears shows as 'Reaffirmation ' of a vehicle loan that was paid in full/on time in XX/XX/XXXX under the original loan terms. Personnel at XXXX  and XXXX advise that the 'Reaffirmation of DEBT CH XXXX ' Comments/Remarks should have been removed by Wells Fargo Delears , and clearly indicates information that was purged on XX/XX/XXXX in XXXX. and personnel at XXXX, XXXX and XXXX advise that Wells Fargo Delears is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation CHXXXX  ' is always indicative of a bankruptcy ; in this case, a bankruptcy that was removed from all Credit bureaus and tangential references since XX/XX/XXXX. This is the only line of credit that is reporting this information all credit lines regarding information of Bankruptcy has been purged or removed from credit reports. This remarks is hindering my ability to get better credit and creating a hardship for employment purposes.

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 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My mortgage was recently transferred from XXXX to XXXX. The mortgage was originally taken out in XX/XX/XXXX for {$200000.00} and then refinanced in XX/XX/XXXX to secure a lower interest rate and that agreement is attached. The principal at time was {$180000.00} and was for 23 years at {$1200.00} a month. That mortgage agreement was with XXXX XXXX XXXX  XXXX XXXX. After the XXXX  refinance, my loan was transferred to CitiMortgage for servicing. In XX/XX/XXXX, I was temporarily unemployed and worked with CitiMortgage to enter into a forbearance agreement in which it was our understanding from our discussions with CitiMortgage that any missed payments and interest would be added onto the back end of our mortgage when payments resumed. The principal at the time of the modification was {$150000.00}, which included all principal and interest and our payments would be {$860.00}. We assumed that the lower payment was a result of our mortgage being into the 17th year of the term. We never asked for or agreed to a new maturity date of XX/XX/XXXX!! I was XXXX years old in XX/XX/XXXX and we would never have agreed to a mortgage commitment until I as XXXX years old ( XX/XX/XXXX!! ). We had other options at the time and certainly would had pursued them at that time had CitiMortgage made full disclosure. I am a XXXX XXXX  and spent most of my professional career in financial services  and could not believe the extent of that CitiMortgage misled us about the impact of deferring payment due dates. I only discovered this recently when our new servicing company, XXXX, had an amortization calculator on it's website. I used it to see how soon, by increasing my payments, our mortgage would be paid off. That is when I discovered the XXXX Maturity date. I contacted XXXX and they sent me the XXXX mortgage agreement as well as the XXXX modification which I am attaching for your reference.

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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting duplicate medical collections on the following accounts : XXXX XXXX XXXX {$140.00} XXXX  XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX XXXX {$250.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX  XXXX XXXX {$560.00} XXXX XXXX  XXXX {$560.00} ( Please see pages 23, 24, 25 , 26, and 27 of the attached credit report, along with a spreadsheet with the duplicate accounts. ) This incorrect reporting of duplicate collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been going back and forth with XXXX  since the spring of 2019 regarding incorrect information on my credit card. I met with a financial counselor and was surprised to see that I had no credit despite having my XXXX  credit card for a few years. We looked deeper into the situation and learned with XXXX   that the social security number on file for my account was incorrect. I followed the protocol with XXXX  and submitted all of the information required to correct this. On XX/XX/2019 I even received a letter from XXXX  stating that everything was received I followed up with a phone call and they informed me the information would be updated in 10 days and its been over 10 weeks since.

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 2019-08-22 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My business checking account was debited by American Express for purchases I did not make on my Amex Plum Business Card in 2018. I have called Amex many times and submitted documentation but the issue is still unresolved. American Express continues to ask for sensitive bank documents which they know my bank will not provide in order to avoid reimbursing me. 

These are the dates and amounts debited from my checking account by Amex. 

XX/XX/2018 {$2500.00} XX/XX/2018 {$2800.00} XX/XX/2018 {$2500.00} XX/XX/2018 {$5800.00} XX/XX/2018 {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: NC

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting duplicate XXXX XXXX on the following accounts : XXXX XXXX XXXX {$140.00} ECU XXXX XXXX {$140.00} XXXX   XXXX XXXX {$140.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$210.00} XXXX   XXXX XXXX {$250.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} ( Please see pages 23, 24, 25 , 26, and 27 of the attached credit report, along with a spreadsheet with the duplicate accounts. ) This incorrect reporting of duplicate collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove these items however, I have not been successful.

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 2019-08-22 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: NC

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting duplicate medical collections on the following accounts : XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$250.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX  XXXX {$560.00} ( Please see pages 23, 24, 25 , 26, and 27 of the attached credit report, along with a spreadsheet with the duplicate accounts. ) This incorrect reporting of duplicate collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion continues to state to regulatory agencies that my credit file is accessible and has minimized the countless hours, weeks and months I have taken to not only access my report online but remove fraud alerta, locks and freezes. They make a poor attempt of stating how seamless it was to remove such locks freezes and alerts when In fact I've spent over 300 hours on the phone with Transunion between phone calls, mailing, emailing and faxing communications to the company. They should be paying me over XXXX XXXX dollars in compensation for the issues. On top of this THEY STATE MY ONLINE ISSUE IS FIXED. THEY ADMITTED THERE WERE ERRORS. NOTHING HAS BEEN FIXED. 

Social security : 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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
From XX/XX/XXXX to XXXX of XXXX i lost my job but contacted capital one for payment arrangements. Everything was set but yet they still reported me as late, despite them informing me on the calls that this will not be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" There is nothing I can do to this, I went to XXXX XXXX five years ago and they over charged me because they said that I have to have master cleaning before they the fix my toothache ( because I had to say yes at that time ) and I paid them the {$470.00} for their service and the remaining is over charge and they are crooks and that is why they are going out of business soon. Three years ago I asked Trans union to add this comments or remove it from the account, but they didn't because I am a consumer not a company!

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 2019-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX to return the cancelled gap and extended warranty. After much hesitation on action, the man named XXXX got up, and he gave me a paper of the payment to chase. This paper was dated XX/XX/19, but chase has told me they have yet to receive such a payment. I believe chase is trying to profit from the interest that the XXXX refund is accumulating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, SunTrust bank froze our account and refunded a check we wrote without notice and would not let us move money in any way out of the account without explanation. The check was legitimate and we tried calling the bank 3 times to verify but they still caused the check to be returned and NSF fees. We want our money out of our account.

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 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I am having difficulty receiving my escrow analysis refund check. The first check was issued on XXXX. It was made out to the estate of my dead wife. I called Customer service, said no problem and issued another check in my name. I never received that check. it was issued on XXXX. Since then 2 other checks were sent out to me both still in the name of the estate of my dead wife. 

Customer service seems to be feckless regarding this matter. They do not have any direct access to contact their escrow department. No one is willing to take ownership and they refuse to escalate this matter beyond the level of a floor supervisor.

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 2019-08-22 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: CA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file and i've been fighting with them for several months.

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 2019-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XXXX of 2017 someone in XXXX, fl opened a XXXX XXXX credit card using my ss #. They used to {$400.00} and never paid. The account was the bought by Midland funding who now says I owe {$830.00}. I do not nor have I ever lived in XXXX, fl. Both companies have the address, email and ip address of the person who did this. I have disputed both accounts to no avail. I have now filed a police report but for some reason can't attach. There own paperwork says that the card, pin # and statement were mailed to an address in XXXX, fl

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Webcollex, LLC
State: MD

Complaint narrative:
CKS Prime Investments placed a collections account in my credit reports. I sent certified letters to the company using information from my credit reports informing I don't owe them, to cease and desist any further reporting and disputed the information in the credit bureaus, but it still remains. It has adversely affected my credit and reputation as a credit worthy person financially because of the decrease of my credit score since they added this to my file. I have never entered into any type of financial agreement with this company nor have I ever signed any documents agreeing to any type of financial responsibility. This is the second time this company owner has done this. I had to fight before to have them removed and now they are doing it again under a slightly different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file and i've been fighting with them for several months.

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 2019-08-22 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: CA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file and i've been fighting with them for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates
State: NY

Complaint narrative:
hi i contacted the company that i had service with because they turned my service off and took the equipment back because they refused to update my credit card there because my old one expired there and i reach out to there billing dept they said ya sure we will update it there and also fix it then they never did but reported it to a collection company saying i would never pay it off but my answer and request to them was the same thing i told the other company and both places refuse to update my request there so im trying to move forward with help.

Company response to consumer: Closed with explanation