vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Balloon payment became due this month ( {$34000.00} ).  Contacted company in early XXXX, account representative XXXX XXXX and left message asking for him to contact me regarding wire transfer instructions as my banking institution was out of state and not easy for me to get a cashier 's check. This message was left twice with end of message indicating Mr. XXXX would follow up with me in 24 hours. There was no return call. I responded by sending the company a personal check for the balance due that was sent overnight to the payment address they provided. Today spoke to customer service representative that stated several supervisors attempted to contact me in the past two weeks regarding check not covering total due. The difference she stated was {$410.00}. I have no record on my phone, nor was a message left requesting a call back to resolve issue. It did not happen. Happy to provide call log to my phone from XXXX. I advised representative that a supervisor can call me and leave a message. Advised her that I would be filing a complaint with all state, federal and private entities about the difficulty contacting the agency and their refusal to accept any payment from me. She said check was returned to me rather than they cash the check and follow up with me with the disputed amount. I have never had a more difficult time paying a bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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:
Information on m credit does not be long to me.

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 2020-03-31 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:
Information on m credit does not be long to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Back in XX/XX/2016, it was reported that a settlement was issued for an old discount tire credit card. I signed up to help a friend back in high school who was in desperate need of funds but didn't have the credit history to be approved. Long story short, I got the card so he can get what he needed for transportation and it was our verbal friendship agreement that he would make payments towards my credit card to pay it off for helping him. I failed to make sure my friend was making his monthly payments towards my credit card on time. Everything was working out fine until he had a medical emergency with his family and was unable to make the payments. Unfortunately his pride got in the way and he never told me he wasn't able to make the payments until I found out for myself with delinquency letters from synchrony bank. I confronted him about it and he said he would handle it. Time went by to the point when I started getting collection calls. I sat down with my friend and he finally told me he couldn't make the payments anymore. We had received a settlement letter from synchrony and my friend offered to pay the settled amount since the interest and late fees were building up. I didn't understand the importance of credit until this took place. I have spent years since trying to rebuild my credit and I am managing to do so remarkably. This was a bad decision on my part for trusting others with my own credit, I was hoping there something that can be done to get this removed since this is the only negative impact on my overall credit history.

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 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I have a mortgage for an investment property with Shellpoint Mortgage Servicing. 
They forced me to escrow funds for r.e. taxes and insurance. The first installment of Illinois r.e. taxes in XXXX County was on XX/XX/2020. I called Shellpont numerous times, emailed and faxed my r.e.tax bill twice to no avail. 
My r.e taxes are delinquent and there are late fees there already. 

Please, help me resolve this situation.Here is the information for my lender : NewRez LLC dba Shellpoint Mortgage Servicing XXXX. XXXX   XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX ( XXXX ) XXXX Loan # XXXX Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: OH

Complaint narrative:
I had a medical bill that is unresolved through the XXXX Fire Department. I am in the process of applying for financial aid for that debt but nonetheless the Fire Department sold the debt to a third party collection agency called " Penn Credit '' while the resolution regarding the financial aid is pending. I have been in contact with Penn Credit and they offered me a payoff amount of {$640.00} on a bill that was  approximately {$990.00}. I told them that I was first going to apply for financial aid on the bill because I was never given the opportunity to do so when I was injured. I informed them on the phone that I would call them when a resolution was reached with the fire department. I am still awaiting the results of the financial aid application. ( Likely due to the COVID-19 pandemic ). I am also in the process of disputing the validity of the debt with the fire department because I was involved in a minor incident that involved me having to ride in an ambulance for less than one mile, without receiving any medical care whilst in the ambulance. I was in contact with Penn Credit when I received the first letter from them saying that I was disputing the validity and applying for financial aid with the fire department. ( I'm a full time graduate student I have no health insurance ). They have my phone number and my address but instead have chose to repeatedly call my mothers cell phone instead. It happened again today and I saved the proof that they have called her cell phone multiple times while I have spoken with them. They have violated the FDCPA by calling my mother several times ( while I have never ceased communications with them ). They have also ignored my requests to stop calling my mother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX/XXXX  has been reporting incorrect information on my XXXX  and Transunion credit reports for years. On multiple dates with the last being XX/XX/XXXX XXXX/XXXX  couldn't even find an account # XXXX**** with my name on it since it was opened XX/XX/XXXX. instead of correcting the error of 30 days late on XX/XX/XXXX they made reports worse by changing to now status as 30 days late instead of paid in full and adding another LATE for XX/XX/XXXX which is impossible since loan had matured and was paid in full and was never late.. I've asked XXXX/XXXX  on multiple occasions to send me proof of original contract with signatures and the proof I was 30 days late. Every time they have refused saying thy can't find cause of age on account. this is the only mark on my credit report and its affecting my score by 30+ points. Also contact info is different with each report with most being disconnected XXXX  FORMERLY XXXX # : XXXX**** XXXX XXXX XXXX   XXXX XXXX , AZ XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: FL

Complaint narrative:
XXXX/XXXX has been reporting incorrect information on my Experian and XXXX  credit reports for years. On multiple dates with the last being XX/XX/XXXX XXXX/XXXX  couldn't even find an account # :XXXX**** with my name on it since it was opened XX/XX/XXXX. instead of correcting the error of 30 days late on XX/XX/XXXX they made reports worse by changing to now status as 30 days late instead of paid in full and adding another LATE for XX/XX/XXXX which is impossible since loan had matured and was paid in full and was never late.. I've asked XXXX/XXXX  on multiple occasions to send me proof of original contract with signatures and the proof I was 30 days late. Every time they have refused saying thy can't find cause of age on account. this is the only mark on my credit report and its affecting my score by 30+ points. Also contact info is different with each report with most being disconnected XXXX  FORMERLY XXXX # : XXXX**** XXXX XXXX XXXX   XXXX XXXX , AZ XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is blocking me from enabling and accessing external applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I payed off an account that was in collections from Macys credit. Since I payed it off with the collections company they sent in the paper work to Macys to clear the account completely. Now that covid-19 has caused a shut down I am unable to get this cleared off of my credit record and this is proventing me from obtaining a mortgage. Could I please have someone look into this situation for me.

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 2020-03-31 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: FL

Complaint narrative:
In my Transunion credit report, My mortgage account serviced by XXXX shows the last credit update/activity reported was in XX/XX/XXXX. While the status is " OK '', none of my payments after XX/XX/XXXX are reflected on my report. 

Of note : The account was placed under Chapter XXXX bankruptcy on XX/XX/XXXX and discharged on XX/XX/XXXX. None of my post-bankruptcy discharge payments are reflected on my Transunion credit report. 

Transunion claims they have not received any information on this account since XX/XX/XXXX, and XXXX claims the 'account is reported per the contractual status after the completion of the discharge as per the bulye report. ' As they each blame the other party, I can not determine where the true problem exists.

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 2020-03-31 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: MD

Complaint narrative:
I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federal trade commission.and also have enclosed copies of the ftc identity theft affidavit please delete the items as soon as possible.

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 2020-03-31 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:
I cant understand how this is happening to me. I have a fraud Alert on my credit files, how is it possible that these company that i did not give consent to, is able to open accounts using my personal Information.  theses Account are fraud i did not authorize anyone or any company to open these accounts i want them removed from my credit files Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: FL

Complaint narrative:
I cant understand how this is happening to me. I have a fraud Alert on my credit files, how is it possible that these company that i did not give consent to, is able to open accounts using my personal Information. theses Account are fraud i did not authorize anyone or any company to  open these accounts i want them removed from my credit files Thank you.

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 2020-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I called this compa

ny Bmw financial services llc to Lower my monthly payment and renegotiate the payment plan, but its all show and no play. i told the agent that I am facing hardship due to coronavirus and all they did is send me this deferment plan of two months charging me a finance charge of {$130.00} over the age of the loan. this is a greedy and a third class company who has written on their website that they are going to help its customers but in realty doing nothing and just providing fake public empathy. I received two emails from BMW showing their fake empathy towards me that they are with the people in this testing time of Corona virus and epidemic but it is all false, they are just greedy about making money
and all their statements are false. So please don't get carried away by their spineless snarky statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: MN

Complaint narrative:
The following accounts listed on my XXXX, XXXX  and Trans Union credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, XXXX Credit Card from XXXX  XXXX  XXXX, XXXX XXXX XXXX from the XXXX  XXXX XXXX, XXXX XXXX  from the XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: MN

Complaint narrative:
The following accounts listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, XXXX Credit Card from XXXX XXXX XXXX, XXXX XXXX XXXX from the XXXX XXXX XXXX, XXXX XXXX from the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/2008 I tried to pay for money transfer service with my card at XXXX in the amount of {$2700.00}. The card declined 3 times. XXXX Said the transaction did not go through. I emailed my bank CashApp and asked for funds to be released back into my account and was advised it would take 10 days. After 10 Days the money was still not released back into my account. I have been in contact with Cash App for over 2 months regarding this issue. They have not put my money back in my card. I went back to XXXX and they advised me to go to the bank for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
- Loan origination in XX/XX/XXXX through XX/XX/XXXX with First Continental Mortgage Company - Principal and Interest payment - {$1600.00}. 
- Filed for loan modification, trial period XX/XX/XXXX through XX/XX/XXXX - principal, interest, taxes, hazard insurance - {$2000.00}. Paid trial payments and was subsequently approved for loan modification with new payment of {$2100.00} with the terms changed from 30 years to 40 years. All property taxes for XXXX paid. 
- XX/XX/XXXX through XX/XX/XXXX - approved loan modification payments at {$2100.00} for principal, interest, property taxes, and hazard insurance. Made timely payments. 
- XX/XX/XXXX - received a letter that property taxes increased, which in fact, property taxes did NOT increase. County and school tax records will show my property taxes at almost XXXX since the house was purchased. First continental mortgage ignored my information and insisted on increase. First continental mortgage increased mortgage payments to {$2700.00} and refunded escrow of {$4400.00}. Inquired about the refund, they stated all property taxes were paid and this was the overage and per law they couldn't keep that amount in the escrow account. Said I could put it back and ask for another escrow analysis to try and reduce payment. Decided to use money to help assist with monthly payments. 
- XX/XX/XXXX - Received a notification from MUD tax department that my property taxes of {$4200.00} were delinquent. Logged into account and see that a total of $ XXXX was paid to property taxes, indicating that all taxes were paid. Reached out to First Continental Mortgage informed them of the delinquent notice, expressed to them that I should not have to be penalized for a mistake they made. They paid the delinquent tax bill from my escrow account as opposed to taking accountability for error and their company absorbing the cost - XX/XX/XXXX - Received an escrow analysis stating my payments starting XX/XX/XXXX would be {$3500.00}. 

It is unethical for a loan company to increase mortgage payments in this manner for someone experiencing and constantly expressing financial hardship. The increases have created challenges and constraints of me meeting other financial obligations and has severely impacted my long history of outstanding credit. 
Going from {$2100.00} to {$3500.00} in a span of two years on one income, XXXX children, and other financial responsibilities does not reflect First Continental Mortgage responding ethically to my financial hardship. The loan modification from 30 to 40 years and paying twice as much from the origination of the loan is more than highway robbery, and should be more than unethical, it should be illegal. With or without the {$4400.00} refund they mistakenly gave me, this is detestable and threatens the ability for me and my children to have a home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01 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: DISCOVER BANK
State: FL

Complaint narrative:
I needed to have access to some additional credit due to COVID-19, I applied for and was approved for a credit card with Discover. They called me afterward and told me they needed to " verify my identity '' so I complied with their request. Then, they mailed me the card. I was told I would be able to activate the card once it arrived. It arrived and they won't activate it. They are coming up with a bunch of nonsense and I am XXXX  in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: MN

Complaint narrative:
The following accounts listed on my Experian, XXXX  and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, XXXX Credit Card from XXXX  Card Services, XXXX XXXX XXXX from the XXXX XXXX XXXX, XXXX  Card from the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Shellpoint Mortgage Servicing is the lender for my investment property mortgage. My account has an escrow account. The lender had failed to pay my r.e. taxes due XX/XX/2020, so I am incurring penalties. 
I had received the letter from them stating that my r.e. payment had been made on XX/XX/2020, but checking the website today XX/XX/2020 it says that my r.e. taxes had not been paid.

Company response to consumer: Closed with explanation