vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 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: NC

Complaint narrative:
On XX/XX/XXXX I was contacted by a representative of Portfolio Recovery Associates. I explained to them I was NOT interested in being involved with a payment program and would only be interested in doing a one time payment and that it would be marked " paid in full ''. We agreed on the amount of {$280.00} and the account was suppose to me marked paid in full. They took the payment on XX/XX/XXXX but it was marked as only a payment on my credit report just as I was lead to believe would not happen. When I called and tried to talk to them on XX/XX/XXXX about the situatuion they told me that they only mark it as paid in full with them but not on my credit report unless I pay them the full amount. That part was not disclosed to me when I agreed to pay them the {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing, LLC ( SLS ) provided a single point of contact ( poc ) for all communications in resolving late payments on my 2nd mortgage. When I asked for a forbearance on the loan while I worked out the details, the single poc ignored the request. Sometime later, SLS acknowledged that the company received the request but did not act on it instead insisting on my mailing the request to another address. By then it was too late. The poc was never available and did not return phone calls. Often, I was left on hold for up to an hour before being cut off. The company repeatedly asked for documents it already had in its possession or would not explain what they needed. I believe these shady practices were an attempt to move the 2nd mortgage to foreclosure while pretending to help. I sold the home in order to avoid foreclosure.

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 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This Collection Company XXXX XXXX XXXX, Purchase this account from XXXX XXXX for a Fraudulent debt of {$380.00}. XXXX XXXX closed the account 5 yrs ago when we found out it was a Open Fraudulent account. I was living abroad on a mission in the bush XXXX XXXX in villages. It was deleted from my credit file 4 times. and comes and goes over the years. XXXX XXXX XXXX has refused my letters and calls, I do not owe this debt. It was found fraudulent over 5 yrs ago. I am very disappointed how I have been handled and the Legal morals of XXXX XXXX and XXXX XXXX. XXXX XXXX also changed the dates of the debt to XXXX 2017 that is Illegal. I want this Identity theft account removed from my report. I also have written the credit burials over 4 times and know help. I should never be punished for Identity theft it has been years of repairing my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been working with Shellpoint for a loan modification or alternatives to save my home from foreclosure. Since XX/XX/XXXX I have been providing all documents requested. On XX/XX/XXXX when calling in for an update, I was informed additional documents were needed. Those documents were faxed in and received by Shellpoint on XX/XX/XXXX per their confirmation but have not been reviewed as of yet because they are now stating that as of XX/XX/XXXX the review has been closed out. I do not understand how they can already close it out if the documents were sent less than 5 days later. In addition, I was never informed that there was any deadline for the documents. I am now facing a foreclosure sale on XX/XX/XXXX and out of options. How is this fair and ethical? If my information was being reviewed for a loan modification and there is a foreclosure sale the lender should postpone the sale while in this review process, however Shellpoint failed to do so as well. All my rights as a homeowner are being violated and I need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
The collection agency NCC Business Services is claiming they do not provide receipt of payment. I need receipt of payment to ensure that they are applying my paid funds appropriately. Also, I need proof of payment to ensure that once paid off, it will be reflected properly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: TX

Complaint narrative:
I supposedly have two files with equifax as per equifax representative. 
The equifax is reporting my charge offs and negative information on my credit and have removed every positive account that was being reported. 
I would like Equifax to update the info and have my current and correct account showing on my credit file. 
Currently equifax is showing XXXX XXXX CHARGED OFF BALANCE {$3900.00} ) XXXX XXXX XXXX CHARGED OFF BALANCE {$3400.00} ) ( XXXX XXXX XXXX CHARGED OFF BALANCE {$1900.00} ) ( XXXX XXXX XXXX BALANCE {$1100.00} ) ( XXXX XXXX XXXX XXXX BALANCE {$100.00} ) These accounts are not mine and were written off as ID theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 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: DISCOVER BANK
State: CO

Complaint narrative:
On XX/XX/XXXX I purchased a subscription for the product " XXXX '' via XXXX, XXXX ( Vendor ). When making this initial purchase, I used an employer email address to which I no longer have access. 

On XX/XX/XXXX, XXXX, XXXX charged my credit card for another year of service. As I no longer worked at my employer, I was unable to consent or redact my consent for this charge from XXXX XXXX. 

On XX/XX/XXXX Upon noticing the charge, I contacted XXXX XXXX via phone ; at ( XXXX ) XXXX who advised that though they could not find my account via email address, they could find it via the last four digits of the billed credit card. ( XXXX ). They advised at that time they would issue a refund. 

On XX/XX/XXXX no refund was assigned to the account and as such I began a dispute resolution process with my credit card provider, Discover Bank. The dispute was resolved in my favor on XX/XX/XXXX and a credit issued to my card. 

On XX/XX/XXXX Discover Bank reversed their decision, and abruptly charged my credit card for the initial amount without notice, and without any indication as to why Discover Bank changed its resolution decision even though Discover Bank previously rightly determined this charge clearly falls within their Dispute Resolution guidelines. Worse, the re-posted charge to my account had its post-date retroactively applied making the transaction difficult to track as clearly occuring on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, our mortgage company Shellpoint, allowed us to defer two months of mortgage payments due to hurricane Irma. Once  deferment was established, Shellpoint sent us a letter explaining that we would need to manually mail in our next two mortgage payments that were due inXX/XX/XXXXandXX/XX/XXXX. In XX/XX/XXXX, we mailed in a check to pay our mortgage payment, as they requested. However, Shellpoint also drew our mortgage payment from our bank account at XXXX XXXX XXXX, using automatic payment system, the  payment system they said they could n't use and requested us to mail check in instead. I called Shellpoint on or about XXXX XXXX to advise them that they erroneously drew our payment from our bank after we mailed a check to pay our mortgage payment. In that call, which is recorded by Shellpoint, their employee/representative, suggested that they ca n't mail us back or credit the duplicated payment, but would NOT bill us in XXXX XXXX. I asked representative to confirm this and that the duplicated payment would n't just be applied to principle balance. Representative assured me that duplicate payment would be applied to XXXX XXXX bill. on XXXX XXXX, XXXX, Shellpoint drew automatically on our bank account, after advising they would n't. I called Shellpoint to advise and they said they ca n't do anything to help me and if they were to credit me back, it would take 10 business days. Unfortunately, this will cause our bank balance to fall well below the bills we have already set to pay, causing over 10 NSF charges to hit our  account. When I requested to speak with someone at Shellpoint/ manager or supervisor, they sent me to someone 's voice mail. This company has illegally drawn money from our bank account on two occasions now. in XXXX XXXX and in XXXX XXXX. Leaving our family in a critical financial bind and will cause more costs to our family for overdrawn funds. Shellpoint is negligent in their actions and the advice they give their account holders. Also, they do nothing to remedy issues they themselves have caused. I want to register my complaint on Shellpoint mortgage for illegally drawing funds from my account and I want to hold them personally responsible for any and all overdraft charges they will cause or affect on our personal bank account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was a victim of serious Identity Theft, I was out of the country for several years, as a XXXX XXXX in a 3rd world country. I have a Issue with KOHLS department store, they open the 1st account in XXXX and I was able to get an alert and I had them to close it because I was out of the country. Kohls refuse to remove that account even with the XXXX balance. I want it removed it does not belong to me. Kohls department store then open a 2nd credit card in XXXX someone racked up {$910.00} dollars of Identity theft credit card fraud. I sent police reports once I made it back to the united states, I even got the attorney generals office involved. they refuse to take it off I been fighting to close it from XXXX when I saw the 2nd Kohls account. The Company has been very sketchy, I do n't want my credit profile to say it meets federal code or what ever they are putting on my report. this account was not open by me. I had fraud alert and no accounts should have been open without calling the phone number on file. this is against the ; law. I want this account to be removed from all credit burials and my reputation be restored. I have been treated worse than human when I call and it looks like Kohls is the place  to open fraud accounts, might be a inside job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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:
Experian, XXXX and XXXX did not fix an error on my credit report. The contract was canceled by the 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 2018-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
All of my detailed information is attached to this complaint. During this whole ordeal I ca n't understand if a debt was paid-in-full due to a total loss claim, HOW does a company consistently accuse you of still owing, keep this mis-information on your credit reports in their alleged justification and refuse to admit that the accounting fault is the fault of the company for how they handled the pay-off settlement for this loan. I should not continue to have my credit scores damaged because this company is determined to penalize me for not being able to collect 5 years of high interest rates for the loan I had with them. 
At the time of the loan I entered a second chance loan agreement at 24 % interest for 60 months. However, because the vehicle was totaled when an act of nature occurred ( I unavoidably XXXX XXXX XXXX in the midst of an Ice storm. Prior to that I was forced into a bankruptcy in order to save my home from foreclosure ; of which all of my debts had to be included in this filing. Since this company fell under that jurisdiction they were listed, BUT EXCLUDED from the original proceeds because I agreed to pay them separately to maintain my credit under the second chance program. However when all of this happened, they tried to use the bankruptcy status to justify why they kept accusing me of still owing them money - '' AFTER THE ACCOUNT WAS PAID IN FULL!!! '' Now this account has bee listed as a charge off which is bad for my credit rating and bad because they are still proclaiming that I owe them money!!!!! This is the question I keep asking EVERYBODY : IF YOU PROCESSED A PAY OFF CLAIM ACCORDING TO WHAT YOU STATED WAS THE PAY OFF AMOUNT, WHY WOULD N'T YOU REPORT THE CORRECT PAY OFF AMOUNT IN ORDER TO BE PAID IN FULL????? 
NOT ONLY THAT, WHY WOULD YOU HOLD THE CUSTOMER RESPONSIBLE FOR YOUR MISTAKE, RUIN THE CUSTOMER 'S CREDIT RATING AND CONTINUE TO REPORT INCORRECT, DEROGATORY AND NEGATIVE INFORMATION FOR THE ONLY PURPOSE AS TO KEEP ME IN FINANCIAL BONDAGE FOR THE LENGTH OF TIME THAT I WOULD HAVE BEEN PAYING THEM IN INTEREST RATES FOR THIS HIGH END LOAN! THEY FEEL IF I WANT TO GET RID OF THEM THEY ARE TRYING TO FORCE ME TO PAY THEM WHATEVER THEY WITHHELD FROM THE PAY-OFF AMOUNT JUST TO ATTEMPT TO MAKE ME PAY THEM MONEY

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 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This company started reporting on my report as of XXXX XXXX, 2017. I have not received anything in the mail about this debt. In fact, I 'm not even sure its mine. This debt has not been validated. I want it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I recently sold an item on XXXX which requires a paypal account to do. On XXXX XXXX paypal closed my account and informed me I would n't be able to send or receive any payments on that account. On XXXX XXXX the item on XXXX  sold and the buyer paid and paypal accepted the payment into my account even though it was n't supposed to. They then proceeded to tell me that because my account was closed they were going to hold my money for 6 months before they would let me have it. Today XXXX XXXX I was able get a supervisor to agree to let me transfer my money to my bank account I had linked to my paypal. I tried several times to transfer it but the system would n't let me so I called them again and the agent then said that I would n't be able to transfer the money because they reviewed and closed my account today and were going to hold the money for 180 days. I told them that the account was closed on the XXXX and I the supervisor named XXXX had lifted the limitiation and i was supposed to be able to. She said according to her records the closure was from today and nothing would or could be done. I then referenced the email from them at XXXX XXXX saying I could transfer my money out. She would n't listen i then referenced their own user policy which stated that an account owner would be given an opportunity to transfer out any funds before they closed it. She did n't care. The money should have never been allowed to go into the account to begin with and they new that that 's why they pretended to let me transfer the money out only to a few minutes later re block it. So they could then claim the closure came after the f Money was added and could then keep my money for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: AA

Complaint narrative:
INVESTIGATE ILLEGAL TRANSACTIONS XXXX XXXX XXXX NOT RECIEVED HONEST DEPOSIT OR DEBT/ CREDIT FROM XXXX XXXX OR A HONEST ANSWER I WAS ILLEGALLY ENLISTED IN CONT USA XXXX HOWEVER IM ENLISTED IN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: AmeriCollect
State: IN

Complaint narrative:
XXXX Hospital fraudulently claimed outpatient XXXX XXXX as Inpatient Services with my Insurer, resulting in a {$600.00} deductible owed, when contacted by myself and XXXX XXXX XXXX stated the account would be taken care of. In XX/XX/XXXX2017 XXXX XXXX notified me there was a new collections account on my credit report, from AmeriCollect originating from XXXX XXXX for {$600.00}. AmeriCollect has NEVER provided me any written notification of this debt and refuse to discuss the account over the telephone, XXXX XXXX states they can not discuss the account as it is now with collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: LoanCare, LLC
State: ID

Complaint narrative:
In XXXX I purchased my home in XXXX idaho through loan servicer XXXX XXXX who sold the loan to the current " servicer '' Loancare , LLC. They never properly notified me of the initiation of transfer nor did I receive a new agreement or packet with necessary information from the new servicer. I have requested several times but no success. I have tried to call to speak with someone to clarify terms and such but I am never able to get anyone on the line. Recently I decided to purchase a second home and to refinance with a completely different company for this loan all together. I have never felt secure since the transfer as I am unable to communicate with them entirely. Upon reading some reviews and how horrid they have done likewise consumers I decided to act immediately. I requested a payoff statement, when I received it, it stated I was late on a payment which is not accurate. I pay the same time same way each and every month so I knew there was no way to have done so. I tried to contact them, again no success. XXXX XXXX I logged on as usual to make my payment, the welcome page generated and I clicked the online payment link but rather than being redirected to the appropriate page a message came and said unavailable to you at this time please contact them at the listed phone number between specific hours. So I have been attempting to contact them since again no success. I have never received any mail, notice, email, or phone call of any issue. Since I was unable to pay online I submitted a check through bill pay from my bank instead. 
Yesterday XXXX/XXXX/XXXX I received a letter that states I am in preforeclosure for being behind in pay. I got on my credit monitor and saw the months in which they note I was delinquent or did not pay ... all months have been paid. I have receipts to show such to be true. I never had an issue or knew of a potential for issue until I was not able to log into my account as usual. I disputed the information with the credit bureaus but no change has been made. I have documentation that I have sufficient income to be loaned to, that I have always paid payments and on time, and that I in fact have sufficient enough income to purchase another home as desired however with the havoc on my credit this is causing my credit score is quickly diminishing ... from high 700 's to low 600 's today. 
I need this fixed and resolved and to be able to refinance with another lender asap. I am at a loss and do n't know what else or at all to do.

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 2018-01-17 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: GA

Complaint narrative:
XXXX Transunion and XXXX did not fix an error on my credit report. The contract was canceled by the 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 2018-01-17 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: GA

Complaint narrative:
XXXX XXXX and Equifax did not fix an error on my credit report. The contract was canceled by the company.

Company response to consumer: Closed with explanation