vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My husband and I have a mortgage with XXXX XXXX XXXX and we applied for a loan modification in XX/XX/XXXX and we have a signed contract stating that our loan modification has been accepted. The next month in XX/XX/XXXX XXXX XXXX XXXX sold the loan to a company called XXXX. In XX/XX/XXXX we sent in the new payment of {$1900.00} and Shellpoint accepted and cashed it. We sent in XX/XX/XXXX Payment of {$1900.00} to Shell Point and they accepted that payment as well. Then, we sent in XX/XX/XXXX payment but they returned the it and stated that we were not paying the right amount. We sent in XX/XX/XXXX payment and they also return to that to us and said we were n't paying the correct amount.

We have not paid the mortgage payment sinceXX/XX/XXXX because they keep returning the payment. Now Shellpoint is stating that they are not accepting the modification and they are looking to foreclose on our home. We have tried contacting the president of the company and we have tried getting him to accept our payment, but they will not accept our payments which has lead us to believe that they are trying to get us to foreclose on our home. 

We have told them that we would catch up on all payments if they would just remove the damage from my credit report. They have been reporting inaccurate negative information to our credit report and now even though we want to sell our home to a new mortgage company, no one will give us a new mortgage because of what Shellpoint has reported to credit bureaus. 

My husband and I completely are at a loss and feel like we are about to lose our home because Shellpoint company not willing to accept our payments or call us back after numerous attempts to talk to them. XXXX XXXX is the supervisor and she keeps putting us off and will not call us. We are completely stressed by the situation and have the money to pay our mortgage but they will not contact us back and we do n't know what to do. We have a new house that we want to buy in New York but the new mortgage company will not give us a mortgage because of the current situation. Although we explain to them that the company wo n't accept our payments they do not care. We have even contacted and attorney but they all want XXXX plus to help us. I will include all the contracts and documents and bank statements proving our payments and that Shellpoint is completely reckless and negligent in what they 're stating and reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: PA

Complaint narrative:
Affidavit of Denial XXXX XXXX XXXX COMMONWEALTH OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX Dear American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX Reference Number : XXXX Amount Balance : {$5600.00} FTC Identity Theft Report Number : XXXX Victim Fraud Assistance Department I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I deny this debt as I am a victim of identity theft. 

Please provide me with the following : 1. Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt 2. The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed 6.  Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Corresponded with US Bank by letter two times and they refuse to respond. Copy of correspondence attached as Exhibit A.

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 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My home was impacted by hurricane XXXX.I called Wells Fargo and made arrangements for my next payment to be the XX/XX/XXXX billing statement.I received notification that this arrangement was made via email...I just received an email below stating I missed my XX/XX/XXXX paymentI called three different departments at Wells - probably on hold a total of 75 minutes - spoke with a customer service agent who couldnt help with anything for about 3 minutes verifying information...Not a single person I spoke to could confirm the arrangement - move my payment to XXXX and waive a late fee.

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 2017-12-19 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied additional cards on XX/XX/XXXX for my two American Express credit cards, Everyday and Platinum, because they sent me an offer which would give XXXX and XXXX membership reward points for each Everyday and Platinum additional card, respectively, after reaching certain spending requirements. I applied four additional cards for each account and would expect to receive XXXX and XXXX XXXX XXXX. 
However, one month after my additional cards all reached their spending requirements, today I found all additional cards were cancelled. I also updated necessary information on XX/XX/XXXX per their request. 
They just kept asking me to call them but no one really tried to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Towards the end of XX/XX/XXXX, I bought a used vehicle and received financing through XXXX XXXX. Within the first couple of days ( XX/XX/XXXX ) the car broke down and had to be returned to the dealership for work. They stated that it had been repaired. Right away the car broke back down ( XX/XX/XXXX ) and it was was returned yet again for work. Again they stated it had been repaired. A couple of weeks had gone by and then on XX/XX/XXXX the vehicle again broke down. At this point we claimed the lemon law and demanded to have the dealer take the car back. The dealer took the car back, even offered a new one which we declined. They stated that they would handle everything in regards to this vehicle. Fast forward a few months and I was notified that the auto loan had been charged off on my credit. This is absolutely unacceptable as the vehicle was a lemon car that had to be repair multiple times within a 30 days window of the purchase.

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 2017-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I reached out to Capital One in order to request a good will deletion on 2 separate accounts that I have paid off after Charge off. After being Denied I pulled my credit report to do some investigating. I noticed that while one account was listed as Current on my XXXX report It was reporting as a charge off to XXXX. The Time frame for this was XXXX XXXX XXXX. After writing in about the incorrect reporting Capital One claimed they were reporting correctly but that they could not provide me with actual documentation from the Bureaus stating that the accounts were reporting correctly. I had to call in multiple times trying to receive a resolution to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
In XX/XX/XXXX we discovered a fraudulent savings account had been opened at Goldman Sachs Bank by a third party who illegally obtained our personal data. We contacted the bank immediately at that time by phone and US mail, requesting that the account be closed. However, over the next 10 months we continued to receive correspondence referencing this fraudulent but still active account, forcing us to recontact the bank on XX/XX/XXXX. We learned at that time the account had in fact NOT been closed. Having heard nothing from them over the next two weeks, on XX/XX/XXXX we again requested by phone and US mail, that the account be closed immediately. We have been told verbally the account is closed, but so far have not received complete and accurate documentation to that effect. We have also continued to receive correspondence from Goldman Sachs referencing this account as late as XX/XX/XXXX. On XX/XX/XXXX we again contacted Goldman Sachs Bank by phone, but the Fraud Department representatives refused to speak with us directly to resolve this issue. We are still waiting to hear from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am contacting you because I have recently been treated wrongfully by Navient. During my entire tenure with Navient, since they split from XXXX, I have made on-time consecutive payments. As a result, I have always had the waiver eligibility ( XXXX ) of the final 6 payments ( amounting to about {$2000.00} ) waiver notification present for all of my four Stafford loans. My 114th payment should have been my last. However, on XX/XX/XXXX, the day after my 114th payment, they removed this benefit without giving a reason. I called them to let them know of the error and they stated, by mail after a week, that I am ineligible because my loan term is less than 10 years. This is untrue, my loan term is exactly 10 years, which satisfies the conditions. They are trying to remove this benefit that I was expecting and was very much looking forward to. They are ruining their reputation ( in my eyes ). Will I need to get an ombudsman ( or even a lawyer ) to fight for reinstatement of this eligibility?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: SC

Complaint narrative:
Let me first say that I have been a BB & T customer for many years, Mortgage, checking, savings, etc. accounts. On Saturday, XX/XX/XXXX, my husband and I went to the bank to add my adult daughter 's name to our account. Prior to this date, she was not on any of our accounts. Today, XX/XX/XXXX, I check my account only to find a forced debit of {$270.00} which was due and owing on the account of XXXX ( my daughter ) and her partner ( XXXX ) for and account opened some years prior. Obviously, I 'm upset because we only added my daughter 's name because we felt like we needed to have someone else 's name in case of an emergency. Now had we known that this would cost us their bill, we would have reconsidered. Given that we only added her this month XX/XX/XXXX, we feel that it 's unfair to penalize us for their poor banking practices. How often does this happen to others?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have had a loan with XXXX XXXX for about 2-3 yrs, then it changed to Navient and I have been needing assistant with repayment or at least trying to make payments on my loan but could not afford to make the payments because they were to high. They company always offer a forbearance as the first option but nothing else. I am highly frustrated because this loan affects my credit score and any loan that I have ever applied for. I need help to get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: MA

Complaint narrative:
On XXXX XXXX, XXXX XXXX has listed a hard inquiry on my credit report from discover card. I tried to contact them via phone and computer website will not load and i would be on hold until call is droped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/XXXX, my younger brother XXXX XXXX XXXX XXXX in a car accident. The car that he was his own XXXX XXXX. The car was on a lease that I co-signed on. After the accident, the insurances that were involved paid off the balance of the car except for the deductible. We together signed the lease in XX/XX/XXXX in XXXX TX. In XX/XX/XXXX had moved away to XXXX. After the accident, Honda did not update my address to the XXXX address and was still sending letters to XXXX. Hey knew my new address because they were calling me non-stop at first when they were trying to collect on the insurance money and I had told them that I had moved to XXXX and gave them my new address. After Honda got most of the money owed to them from the insurance companies involved in the accident, they sent a delinquency letter my old XXXX address asking for the deductible that was still owed to them. Of course I never received that letter since I had moved away from XXXX. Then after some time, they sent my account to a collections agency by the name of XXXX XXXX XXXX. On XXXX XXXX of XXXX, the collections agency reached out to and asked me to pay the balance of {$270.00} and offered to settle for {$160.00}. On XX/XX/XXXX I paid the settled amount with the understanding that this would be taken off my credit report. Please see the collection letter and well as the resolution letter attached below. Also please see XXXX report snapshot below showing I do n't have anything due in the collections portion of the credit report. But even after I have paid and settled with XXXX XXXX XXXX, XXXX XXXX XXXX chooses to report my account as charged off and failed to pay after the settlement that. Please also see my credit card statement attached showing the settlement payment being drafted on XX/XX/XXXX from my XXXX XXXX account. When I went to my bank and applied for a business line of credit I found out my credit score had taken a hit. Then when I looked on my credit report I found out Honda had reported my account as charged off even after they I paid and settled as best I could and they knew where I lived, When I called XXXX XXXX XXXX they told me that I still owe approximately {$110.00} dollars to be settled in full with them. This was news to me because no one including XXXX XXXX XXXX told me I still owed any money. Instead, they told me everything was taken care of. I am willing to pay the {$110.00} but XXXX XXXX XXXX said that even if I pay that amount, the charge-off status will remain on my account for historical purposes. So even under such tragic circumstances and for such a small amount when clearly they sent letters to the wrong address after knowing my current address, XXXX XXXX XXXX is unwilling to take the charge-off status off my credit report. And that is why today on XX/XX/XXXX I would like to file a dispute against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
It 's now been more than six months since we asked XXXX to close the account and refund the annual fee plus the credit amount due on the account. We have filed a complaint with CFPB about the annual fee, specifically how hard they made it to close the account. Not only did they not refund the annual fee, they have been kiting the credit amount due. every month we get a statement showing a credit balance, but never a check to pay it back. 

We are considering small claims court for recovering the annual fee, maybe we will include the credit balance in the same suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX I contact Huntington Bank about payment for home and auto insurance with Huntington Back. which was due on XX/XX/XXXX, I was told that it was return, because I did n't have enough fund in my  account. I inform her that I had sign up with Huntington Bank Debit Overdraft Service. she said that the bank has discretion and I said I know, this is my first time. she put me on hold to talk to someone else. she came back and said it because I was a new customer. I told her that it was't mention when I sign up for ODP. prior to this incident I ask a teller about the 24 hour grace period that they advertise on the TV ad. I was told by the employee, that the bank has discretion. I told him that the TV ad did't mention about discretion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I contacted XXXX XXXX because I am going through a financial hardship. I asked them to settlement on this amount owed before I am not able to pay for it. The representative told me over the phone WE HAVE NO SETTLEMENTS TO OFFER YOU. I told the representative that I am reaching to them first before it gets too bad. But they were no help at all.

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 2017-12-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: NC

Complaint narrative:
I was informed back in XXXX of XXXX that I had a debt being sought out to be paid XXXX XXXX. They claimed they were collecting on behalf of XXXX XXXX XXXX on a balance for {$90.00}. The account number I was given was # XXXX. At this time I disputed the information. It came back that they did agree to my dispute, deleted the information from all 3 of the credit bureaus and it was gone. Then I recently became aware that a new agency by the name of XXXX with a new account number listed under XXXX. I disputed this as well and it fell off of 2 of my credit reports but they have not removed the information from XXXX. I have sent debt validation letters back on XXXX/XXXX/XXXX to see if they would indeed verify this account but that has yet to be done. I am requesting to have this information promptly removed from my credit file as it is damaging and in my opinion fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: FL

Complaint narrative:
I 've ask the collector not to call my work number. 
The XXXX XXXX collection still continues to call me at my place of work.

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 2017-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My car Title from the NY DMV shows a Lien from Citibank. l have had this car from XX/XX/XXXX and can not recall my borrowing or pledging the title for a loan.l have contacted Citibank as well as XXXX XX/XX/XXXXand neither of them have any records of loans to me against this vehicle..l then contacted My Title Support, com for assistance but their response again showed that there was no account.l therefore need a Release of Lien or a Letter of No Interest so l can produce this as evidence that there are no liens on my car TitleI have exhausted calling and faxing to different agencies in the hope of getting this resolved but unfortunately l have been unsuccessful ... I need Help

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