vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XX/XX/XXXX The office of XXXX XXXX XXXX XXXX. Submitted a loan modification application on behalf of our client. 

XX/XX/XXXX The office of XXXX XXXX XXXX XXXX. contacted Shellpoint to acquire an update on the modification review. We were advised by XXXX XXXX that we need to wait until XX/XX/XXXX to apply due to a past approval. 

XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. contacted Shellpoint and were advised that the file was approved for a modification on or about XX/XX/XXXX. However, the approval was closed out because the trial letter was returned to Shellpoint. 
We advised them that we are their attorneys and it should have come to our office. 
They requested that we call them back, so they can investigate the matter. 

XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. called Shellpoint and we were advised by a supervisor that they would contact the investor and confirm if the investor is willing to honor the trial due to the following reasons. 
1. The trial letter was never sent out to the client 2. Our office was never advised of the approval and we are their attorney of record 3. Our client was never advised of the approval XX/XX/XXXX we received a voicemail from Shellpoint notifying us that the file has been submitted for an approval and will call us back with an update. 

XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. called and emailed Shellpoint for an  update no response was provided XXXX/XXXX/XXXX - The office of XXXX XXXX XXXX XXXX. called Shellpoint for an update no response was provided XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. contacted Shellpoint for an update. At this point we were notified by XXXX XXXX that they never received the final modification agreement sent to the client on XX/XX/XXXX and the file was closed on XX/XX/XXXX and we now need to wait until XX/XX/XXXX to reapply. 
I informed Mr. XXXX that our client has notified Shellpoint several times that hey never received the contract. I also began to notify them on the information above and I was told that the conversation was a moot point. I requested a supervisor and was immediately told that they are unavailable and transferred to their voicemail. I have not received a call back however, we believe Shellpoint is contacting our client and ignoring our office despite our request to have all calls are correspondence to be sent to our office. We also requested for the tracking number from the contract sent to our client on XX/XX/XXXX however, it was not provided. 
We believe that Shellpoint is not acting in good faith. We have been misinformed and possibly deliberately mislead by their staff at the benefit of Shellpoint. Our client is determined to save her home, if Shellpoint was acting in good faith and not misleading us this matter would have been resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I recently applied for cash magnet from amex and got approved immediately. Since, I was receiving offer letter to apply for blue cash everyday credit card of amex for more than 2 years, I decided to apply for bluecash every day as well after 2 weeks of approving for cash magnet. Before applying, I searched on the internet and I found that the best plan is to use both combination of cash magnet and bluecash everyday together for everyday purchases and there is no constraint to apply for both. 

However, surprisingly I got declined immediately from amex for bluecash everyday! I called and explained the situation and the representative told me my account is in good shape and the only reason that I go declined was because system thought it is a duplicate application based on your current cash magnet application and that is why you got declined. As a result, we review your application manually and you would receive a call soon regarding our decision which would be your approval for the credit card! 

After 5 days, I receive a mail which is noticed me the amex abide by their decision and I am not qualify for being exception of approval for bluecash everyday! I was shocked when I read that mail as I expected to receive a call and being approved for the bluecash every day credit card! 

I called amex again afterward and I was told your application can not be approved as you already have the cash magnet credit card! 

I searched again on the internet and I could not find any policy any where regarding to not be able have both card at the same time! There are many people outside that talking about the benefits of using both card together as a combination! Also, if there was a policy I should know it ahead of applying to not allow them to pull up my credit report account! 

I need amex to review my account once again and approve my application. 

Bests, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eastpoint Recovery Group, Inc
State: CA

Complaint narrative:
Received a call on XX/XX/2018 around XXXX XXXX. By a company called East point  recovery. They asked for a person named XXXX XXXX XXXX, I am not that person. I have received this call multiple times and told them to stop calling me. I am not that person. Cease and desist calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my third and attempt to have discharged bankruptcy removed from my credit report. I have written, sent certified letters requesting validation and verification but to no avail. They always respond as verified as accurate. How could that be????? Furthermore they will not provide me with the third party company in which they used to get this information. I know they use these third party companies because I have a letter from the bankruptcy court saying that they do no provide public or personal information to the credit bureaus. And also I froze and suppressed by credit with all of the data mining companies, including XXXX XXXX and XXXX. I strongly urged them to delete this bankruptcy from my account. They have violated several rules and regulations according to FCRA, including section 602 a, b and c. I ask the cfpb to please look into this matter and hold them accountable for what they have done. It this is not resolved here I will be forced to file a lawsuit and let the courts handle it. And I have all of my documents in order.

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 2018-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018 I was attempting to purchase tickets for a show online. I made a agreement with the seller and we did a online transfer thru bank of america using XXXX which is the only option that it was giving me. Within 4 minutes of transferring the money I realized something wasnt right. I went down to bank of america which is 5 minutes away. I walked in and talked to XXXX. She pulled up the information and said ok good news it hasnt gone thru yet we can stop it. She then said I had to do it thru the mobile app and they cant do anything at the bank level. She put me on the phone with a agent who said the exact same thing. It was still processing and they told me no problem. Somehow I got disconnected from the individual. I immediatley called back and got a lady who again told me the same thing that they can stop it still. Well she sat there and basically said she doesnt know how to stop this. They verified it was going to XXXX XXXX  so they had all the info. She then blind transfers me to Loss Prevention. Who then transfers me to XXXX. Basically I have been told by my Bank Bank Of America that they have no way to protect the customer in regards to using XXXX. They explained that you have to basically dig a little deeper to do a treansfer thru them. Yet XXXX is all over their page and commercials.I have a police report and did everything Bank of America has told me to do. And then they come back and tell me sorry I have to fix it myself.

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 2018-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mar Joe Enterprises
State: MO

Complaint narrative:
Multiple collection companies are trying  to collect the same debt. The balance and dates are wrong on all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I received a letter dated XX/XX/XXXX regarding a refund I was suppose to receive from GM financial in the amount of {$3500.00} dollars. I have called multiple times and was told the check has been mailed by multiple employees on XX/XX/XXXX, but I recently called XX/XX/XXXX to find that the check hasnt even been printed. I have requested this refund be processed and overnighted but the employees are refusing to send my refund over night telling me i will receive it by XX/XX/XXXX i called XX/XX/XXXX and the check still hasnt been mailed so there is no way I will receive it by XX/XX/XXXX. So at this point they are holding my refund for no reason and it looks the refund will never be mailed. The same story they keep telling me is the accounting department is back up but i do not believe it should have taken this long nor do I believe its been processed because they have lied to me multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC
State: OR

Complaint narrative:
XXXX XXXX (? ) from XXXX XXXX XXXX. called my wife 's phone asking for me. He wanted to verify my social and DOB without telling me who he was calling on behalf of. Gave ma a call back number and was very rude. I told him I would not verify information, but if he told me what company i supposedly owed, I would contact them directly. 

I called them back from my phone and they knew who I was as soon as they answered and told them to validate the debt and send paperwork to my address since they know so much about me. Said they could not send anything without verifying my identity first. 

Asked for a business address and they gave me an address in XXXX, SC and was calling from a local phone number in XXXX, Or. 

I do not plan on responding until they validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX reported my account late to the credit bureaus, i mailed them a check and they have not cashed it but still reported me late.

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 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been going back and forth for several months with disputes with XXXX regarding my 2 accounts with XXXX   which are both being reported inaccurately.  On XX/XX/2018 I submitted an online dispute with XXXX, XXXX XXXX XXXX XXXX, GA XXXX for both of my accounts with XXXX   requesting an investigation into the matter.  I stated to them that the XXXX accounts were being inaccurately reported.  Although in this latest dispute and my request for written verification per the FCRA, XXXX is still listing both of the accounts as being 120 days late.  They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018.  Both accounts were paid in full and transferred so how can they be 120 days late?  Why does XXXX refuse to provide me with the written verification?  All they are doing is prolonging this action plus causing unnecessary negative marks on my 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 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been going back and forth for several months with disputes with XXXX regarding my 2 accounts with XXXX   which are both being reported inaccurately.  OnXX/XX/2018 I submitted an online dispute with XXXX, XXXX XXXX XXXX XXXX, GA XXXX for both of my accounts with XXXX   requesting an investigation into the matter.  I stated to them that the XXXX accounts were being inaccurately reported.  Although in this latest dispute and my request for written verification per the FCRA, XXXX is still listing both of the accounts as being 120 days late.  They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018.  Both accounts were paid in full and transferred so how can they be 120 days late?  Why does XXXX refuse to provide me with the written verification?  All they are doing is prolonging this action plus causing unnecessary negative marks on my 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 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for a Wells Fargo credit card no interest for 18 months on line. I received a email explaining that I should receive or be denied with in 7 days. After not hearing from them in 7 days I called and spoke to a live representative. She informed me that I couldn't be identified by my phone number. So I gave her my house number in which she said I could be identified by this number. However, I was on the road and could not get to the number so I suggested going into a branch. She said that for me to take two identification to a banker at one of the branches. I went into a branch in XXXX XXXX explained the issues gave my XXXX cdl license, US passports, and my Social Security card. However, this was not enough even though I had two previous account with them. I explained that these unnecessary procedures was due to my racial heritage. I have applied on line for credit cards before and due to my credit 99 % I was approved as soon as I submitted.

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 2018-09-11 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In late XX/XX/XXXX I received a letter from Experian notifying me that a creditor had reported a change to my name, address, or SS #. My wife got a similar letter earlier in 2018, and it was connected with identity theft, so I was concerned. The letter stated that I could order a copy of my credit report from Experian if I wished to view the changes. 

Instead, on XX/XX/2018 I tried requesting a free annual Experian credit report through XXXX. I was told my request could not be processed online and that I should mail my request. I downloaded the appropriate Annual Credit Report Request Form from that website, filled it in completely, and mailed it that day to the address specified. 

On XX/XX/2018 I received a letter from Experian telling me they did not have enough information to process my request. The Experian letter says I need to supply a photo id and a copy of a utility, bank, or insurance bill showing my address, in addition to all the information I already supplied. 

The Experian letter says nothing at all about where to send the required information, although it does display a small post office box address at the top left of the form letter. I have no idea whether I should send the required information to the address indicated on the Experian form letter, or to the address specified at XXXX. 

On XX/XX/2018 I went to the Experian website to find someone who could clarify where to send my request. The " Contact Us ''  section of the Experian website merely refers me back to XXXX, where I started, and provides no human contact information that I can see. 

The Experian website does contain an offer to sign up for " free '' monthly credit reports from Experian. The process apparently involves four steps, which I have not pursued. Experian 's website provides significantly more and better information about how to sign up for this proprietary credit reporting service than it does about how to complete a free annual report request. 

I still have no information about what creditor reported the change and what change they reported, because I have been unable to access my free credit report. I have reached an apparent dead end.

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 2018-09-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX, my home was approved for a short sale; the sale was completed on XX/XX/XXXX. In XX/XX/XXXX, my credit rating dropped over 100 points because my credit report showed that I had missed two mortgage payments- this, long after the short sale had been completed.I spoke with Bank of America, who said they couldn't correct the error because I was no longer a customer.I filed a complaint with the cfpb and and XX/XX/XXXX was sent a letter from Bank of America stating that they had resolved my issue. The issue has not been resolved because I'm still seeing the negative item on my 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 2018-09-11 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:
Sir or Madam:To whom it may concernThe sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXThe items listed are clearly fraudulent; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b).III. A. Blocking Information in Credit Reports under Sections-605B and 623(a)(6)Under section 605B of the Fair Credit Reporting Act (FCRA), both the credit reporting agencies (CRAs) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA (furnishers) are responsible for blocking fraudulent information from appearing in victims’ credit reports, blocking fraudulent information from appearing in victims’ credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely,JXXXX XXXX XXXX  DOB: XXXX XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with explanation