vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I requested a loan modification workout out in XX/XX/XXXX due to the Department of Treasury approval of a 30 % cut in my pension effective XX/XX/XXXX. I am XXXX and receive social security. Approximate XXXX XXXX my request was denied by a phone call from a rep at Shellpoint Mortgage/XXXX  XXXX ( investor ) informing that Shellpoint offered that my payment be extended for 10 years and reduced to {$640.00} from {$730.00} but the investor denied it and said the only option available is to increase my mortgage and stay at the 7.75 interest rate, and asking that I bring my account current. I am now making partial payments of $ XXXX monthly. I appealed the denial in writing and then on or about XXXX XXXX, I received another phone call from XXXX XXXX ( point of contact ) informing that the first denial was a " computer error '' and still they will not modify because the " numbers don't support it '' and any modification would increase my payment, which is ridiculous. I asked to see all documentation and the calculations of how they arrived at this conclusion. He said he would have Shellpoint make that information available to me. On XXXX. XXXX I attempted to make a payment via phone but was transferred into various loops that said no one was available to speak to me. I believe Shellpoint has no intentions of provide a loan mod. I have $ XXXX in equity and their intent is a financial advantage. I have requested many times that I be allowed to pay my own taxes. That alone would give me some relief. They refuse. My XXXX statement now shows an increase of {$7.00}. While this is minimal, why did my payment increase? One of the issues with this company is that they never put anything in writing and each time I speak to a representative, the story changes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
I purchased this ring on line from XXXX. On line price was {$20.00}, I was charged unit price {$16.00} on XXXX receipt ( attachment 1 ), charged on PayPal $ XXXX % tax = {$17.00} on XX/XX/XXXX. 
I returned the ring on XX/XX/XXXX because I did not like how it looked on me and it felt too thick and not comfortable. ( see attachment 2 return receipt ) On XXXX order status ( attachment 3 ) it list item as Shipping Status : Return. This is correct, the item is returned. 
Attachment 4 is XXXX return receipt for the item. It shows my item as returned and credited at {$20.00}. XXXX refunded my momey to PayPal, but PayPal did not refund my money to me. 
I filed the dispute with PayPal on XX/XX/XXXX. PayPal denied my request for money refund, I never quire understood why. Pay Pal does not have a call number to call or email, and I had to follow their process to request my refund money. 
After I was denied a refund, I appealed the case with PayPal, and on XX/XX/XXXX I was informed that We reviewed your transaction ( s ) and are denying your case ( s ). This decision was made because we never received documentation that proves you are due a credit. ( attachment 5 ) In summary, I should be given my money back from PayPal. I retuned the item and was given a receipt of return from XXXX. I was given a copy that XXXX refunded my money to PayPal ( attachment4 ) PayPal is refusing to give me my money they state they never received documentation that proves that I am due this credit. 
Can you please help me and recover the {$17.00} from PayPal? 
Should you have any questions, please let me know. 
PayPal Dispute Case ID : XXXX Transaction Amount : $ XXXX Dispute Amount : $ XXXX Transaction XXXX Transaction Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report and found that XXXX XXXX   account ( XXXX XXXX ) showed a past due balance and 90 days past due this information is not true the account was paid in full with a XXXX  balance however after several disputes the information has not been updated

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 2019-03-02 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: GA

Complaint narrative:
I have written this company several times to remove this misleading account on my credit profile. They refuse to remove this fraudulent account that is ruining my credit rating that is preventing me from obtaining a mortgage. 

I have reported to ftc and sent Experian the paper work. They have still failed to send me proof of original contract for the fraudulent account. I need this fraudulent account remove immediately.

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 2019-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX I applied for a Citi card because they had an offer for a {$250.00} statement credit to book a flight. I applied through Citi and not the airline. I called them in XX/XX/XXXX and told them that I didn't apply correctly and I may have to cancel the card and reapply to get the credit. I was told that I would still get the credit and I didn't need to cancel. On XX/XX/XXXX, I'm ready to book my flight through XXXX XXXX. I called Citi again to make absolutely sure that I would get my statement credit. I was told that I would get it. I booked my flight through XXXX XXXX using my new Citi card. A couple of weeks later on XX/XX/XXXX, I check my credit account and I don't see any credits. I call Citi the same day. I was told that I do not qualify for the credit. The agent said that they would file a dispute and I would get written notice in a couple of weeks. I received a letter on XX/XX/XXXXstating that I don't qualify for the credit because the credit is only for flights. I call Citi on XX/XX/XXXX. I was again told that I don't qualify for the credit. I was eventually transferred to a senior agent. She told me that if I found proof that I was offered the credit she would apply for the credit. I was very angry at this point. I threatened to cancel both of my Citi cards, but I did not instruct her to cancel either card at this point. I eventually hung up on her. I checked my account on XX/XX/XXXX as I was doing my monthly bills and I saw a message that my card had been cancelled. I called Citi the same day. The agent said that the notes said that I requested to cancel my card. I said that this is incorrect because my flight is next month and I'm sure that I wouldn't get my travel benefits such as preferred seating and checked bags free. He said that my card is cancelled and there's nothing he can do about it. He does agree that I should have received the {$250.00} statement credit, but it's too late to fix it now. I ask for his supervisor. He says that there's nothing he can do. I tell him to cancel my other Citi card as I want nothing to do with them.

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 2019-03-02 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: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
My husband is in the military and in and out of the field. When he bought my wedding ring in XX/XX/XXXX XXXX XXXX stated he had a year until he had to make a first payment, he put $ XXXX down and had $ XXXX left to pay. We never received notices, emails or calls about " late payments. '' I called end of XXXX because I noticed they had my name completely incorrect and his name backwards. It wasn't until we started working with the VA home loans that they told us about what XXXX had put on our credit. As stated before my husband is in and out of the field. It took me months to be able to call on his behalf then they said I could only make payments not talk to someone in detail. Once again working with the VA I called XXXX XXXX AGAIN each time a month apart. They are reporting you past due every month and that they are showing an amount past due I asked why is it showing late when they told us he had a year to pay and why they haven't notified us of any late payments. They had his phone number wrong! I paid {$300.00} that day and asked to set up monthly payments. Fast forward to XX/XX/XXXX, VA is still saying XXXX has it as " late payments ''. So I call, they say the account is now closed and if I don't pay {$290.00} today its going to collections. I was outraged and said how I set up monthly payments and just paid {$300.00} and she informed me that no monthly payments were set up. I paid the {$290.00} and once again set up monthly payments. Our tax return came XX/XX/XXXX and I paid off the rest of the card, yet still have derogatory remarks on our credit report. I also kept stating how it wouldn't let us create an online account for me to be able to see all of this and track it and they had no explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I sent in full payment to their finance company and relayed this information to XXXX, week ago. I am still being called and harassed by them, this is not a duplicate complaint it is an extension because the called are still coming and I want them to leave me alone and am hoping that these annoying phone calls stop. They are also calling and hanging up which is an unacceptable practice. I paid them in full and I want XXXX to never contact me again ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: NV

Complaint narrative:
Portfolio Recovery is trying to report same collection twice. I already paid a collection and the account was closed. Then as soon as that was paid a new collection account appeared in their portal for the same amount that I already paid. They are using illegal and deceptive tactics to try to collect on the same debt multiple times and are reporting a debt that should be removed from my credit as still owed. When I paid the collections account for XXXX on XX/XX/19 there were only 2 accounts ( the XXXX I paid and a XXXX that is not mine and 7 years and 3 months old ). Then mysteriously less then 2 weeks later there are 3, the one I paid, the old one and a new one for a duplicate amount. If that debt really existed and really was sent the day they claimed it was it would have existed in the debt collectors portal the first time I went to pay the 1 amount for XXXX that was listed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My husband is in the military and in and out of the field. When he bought my wedding ring in XX/XX/XXXX XXXX 's stated he had a year until he had to make a first payment, he put $ XXXX down and had $ XXXX left to pay. We never received notices, emails or calls about " late payments. '' I called end of XXXX because I noticed they had my name completely incorrect and his name backwards. It wasn't until we started working with the VA XXXX loans that they told us about what XXXX had put on our credit. As stated before my husband is in and out of the field. It took me months to be able to call on his behalf then they said I could only make payments not talk to someone in detail. Once again working with the VA I called XXXX 's AGAIN each time a month apart. They are reporting you past due every month and that they are showing an amount past due I asked why is it showing late when they told us he had a year to pay and why they haven't notified us of any late payments. They had his phone number wrong! I paid {$300.00} that day and asked to set up monthly payments. Fast forward to XX/XX/XXXX, VA is still saying XXXX has it as " late payments ''. So I call, they say the account is now closed and if I don't pay {$290.00} today its going to collections. I was outraged and said how I set up monthly payments and just paid {$300.00} and she informed me that no monthly payments were set up. I paid the {$290.00} and once again set up monthly payments. Our tax return came XX/XX/XXXX and I paid off the rest of the card, yet still have derogatory remarks on our credit report. I also kept stating how it wouldn't let us create an online account for me to be able to see all of this and track it and they had no explanation.

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 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I signed up for a free credit score check, and ended up being charged {$24.00}. I immediately deleted my account because this charge came completely out of nowhere.

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 2019-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I had my Wells Fargo account compromised, I received an email alert notifying me of a change of address. I immediately called their service line to report the activity. The rep advised she was restricting access to my account. I later found that she had only restricted the online access to my account and that they had sent checks to an address in Florida so the representative failed to check for any suspicious activity. On my 2nd phone call, the 2nd representative closed my account and then advised they would send me paperwork to open a new account. The paperwork they sent was PREFILLED with all of my personal information including SSN, DOB, etc. Everything someone would need to steal my identity. I couldn't believe a financial institution could be so incredibly careless with my personal information. I have worked in the financial for 5+ years and none of the companies I have worked for would ever be so reckless with their customers.

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 2019-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cadillac Accounts Receivable Management
State: MI

Complaint narrative:
Made 3 payments to XXXX XXXX : Ck XXXX {$75.00}, Ck XXXX {$40.00}, online payment {$33.00}. The remaining balance reflects a XXXX   balance online. I recently received a {$100.00} bill from a collection agency. I contacted the collection agency who suggested calling XXXX XXXX, so I did. While speaking with an agent regarding the matter the call was disconnected. I called back requesting to escalate the call to a manager and was given a different phone number that belonged to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Reviewed several credit cards regarding the best sign up bonus. Reviewed on numerous sites including XXXX. based on rewards and sign up bonus I chose the citi pretige card. I have articles which show points offers of XXXX and XXXX before and after I signed up. Upon signing up I quickly spent the required amount to qualify for the sign up bonus. The points never came. I called several times to see the problem. Each time I was given different answers. First I was told I didn't qualify. I said I have a XXXX limit and XXXX credit score how don't I qualify. Next told that there was no offer. I presented the articles demonstrating the offers. Then Citi stopped responding.

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 2019-03-02 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: CA

Complaint narrative:
I received a bill from Midland Credit Management dated XX/XX/2019, to which my daughter called my attention. We had never seen this account, so I checked my credit and learned that this debt was for a XXXX credit card with XXXX. A couple of years ago I received a fraudulent call from someone claiming to call from XXXX for a XXXX credit card asking me for personal information and I told them I would never open a card to a retailer, especially not XXXX, and I told her that they were not to call me again because they were committing fraud. 

Since I started having a series of XXXX XXXX including XXXX, XXXX XXXX XXXX, XXXX and XXXX and XXXX  XXXX XXXX, the last thing I expected to deal with was identity fraud. 

I have sent the collection agency a letter using your template and I am going to send it, again, this time through certified and registered mail just to make sure it is handled appropriately and not ignored. I need help defending myself against this fraudulent debt. I want them to cancel this and stop collection and I want to prevent any more identity theft moving forward. I also want this removed from my credit and to prevent it from causing any more damage to my family and to myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Dispute is for not receiving services listed below : -- One Night at the Hotel in XXXX {$730.00} for Friday XX/XX/2018. 
-- Transportation to the Hotel {$170.00} for Friday XX/XX/2018. 
-- Private City Tour of XXXX {$220.00} for Friday XX/XX/2018. 
-- XXXX XXXX Private Tour {$150.00} for Friday XX/XX/2018. 
Grand Total of {$1200.00} Reason for not receiving the services was that XXXX cancelled the flight from XXXX to XXXX for mechanical reasons. 
I started the process for the of the refund thru XXXX XXXX, I was told by XXXX XXXX that I needed to request the refund thru XXXX, which I did, I requested the refund and was told by XXXX that since i didn't purchase the ticket directly thru them but it was done thru a 3rd party I needed to go thru XXXX XXXX, I went back to them and was told that they will not refund me. 
I then started a dispute with my credit card Chase Visa for the charges, the Credit Card Dispute Department closed my dispute saying that the vendor stated that I did receive the services which is not true but my Credit card closed the dispute after several attempts by me to reopen the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
We received a delinquency notice from XXXX XXXX on XX/XX/XXXX that our taxes that were due on XX/XX/XXXX were not paid by our mortgage servicer, Lakeview Loan Servicing , LLC ( aka. XXXX  ). The XX/XX/XXXX taxes were paid nearly a month late on XX/XX/XXXX according to XXXX  account within the Payment History section. 

After a month of phone calls, on XX/XX/XXXX, XXXX finally paid {$1400.00} of the {$1400.00} that were due XX/XX/XXXX, which left us with an outstanding balance of {$51.00}. We were told by a Lakeview manager that the {$30.00} in late fees were paid from a separate Lakeview account that we do not have access to. See attached ( Re : Tax Bill and Payment History ). 

All phone calls after XX/XX/XXXX have been unanswered and no messages have been returned by a Lakeview representative.

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 2019-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I called and explained my hardship to the company and they said that they could not help me and that they didn't refi or modify their loans.

Company response to consumer: Closed with explanation