vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
XX/XX/2019 mortgage payment to XXXX was returned to me, At this point I received a statment from Shellpoint so I called Shellpoint they gave me a name and number to call along with an email address to send proof of payments. I called and left a message after send the proof of payment. The following week I received notification of an estate sale on my door. This was after I had already sent my statements proving that I had made payments from XX/XX/2019 thru XX/XX/2019. I have tried emailing, calling number listed on letter from Shellpoint and tried calling the number for the company that filed for the estate sale. The contact info from the letter was an invalid, got caught in the loop, the emails I sent got the standard notification stating they received an email from me but I never got a return call or email from anyone. The number for the company listed as the one filing the Estate sale had a message stating the number was not provisioned. 
I am afraid to even give them any money for fear of their inability to properly handle it. I have had my home for 24 years and I genuinely feel that they are robbing me of my home by their false allegations of not making payments when I have sent them proof of my payments. I can not help the fact that the bought my loan and was lied to by 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 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My previous complaint # XXXX which is closed was submitted on XX/XX/. 

From SPS you received a response where they stated " We have reviewed the call log and no consent was given to record the conversation. Because of this, we are unable to verify your claims. " However to the Attorney General of the State of California SPS wrote the following " Regarding your concern with the information provided by SPS associate on the phone onXX/XX/XXXX, we have reviewed the phone call and determined that our associate provided accurate information regarding the workout options available at the time. 

The question is why are they not telling the truth? Let me be blunt. They lied to you. 
The enclosed letter from SPS to the A.G. is the opposite what they stated to the CPFB. 

The problem I have now is SPS is trying to extort {$7400.00} from me when the balance I owe is {$460000.00}. They are threatening with foreclosure and stating that they have the right to not take my money if I don't pay this amount ( {$7400.00} ) by XX/XX/. 
I have the copy of the cashed checks for XXXX, XXXX, and XXXX that SPS cashed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
TWO ISSUES : ONE : On XX/XX/2020, American Express incorrectly posted and reported a payment made. The payment was a single check, a single payment in the amount of {$4000.00}. American Express posted it as two separate payments of {$3100.00} and {$900.00}. A payment dispute was submitted and American Express failed to fix the error. Their dispute response website provides little to no information at all. It just indicates the dispute is closed but it was not fixed so I dont know how they can close it. They also state, refer to the communication we sent. American Express has not issued any communications. This is not the first time there has been an issue with the application of the payments at American Express. They really struggle with what should be a simple process. 

TWO : American Express continually keeps sending emails with the subject line, You have a message. The emails provides instructions to either click the link labeled, view message or go to the URL : americanexpress.com/messagecenter when logged into the account. The view message link does not work and the URL ( americanexpress.com/messagecenter ) does not work. There is no message center anywhere on the online account. American Express has been told this before, yet, they continue to send this email message. Its not a valid email. It is suspected that American Express, cunningly, using this as a way to say they sent communications/correspondences, when they clearly have not. Its a sham. 

Attached are accompanying screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Per court order my ex husband is sole owner of account and I was to be removed. I went to golden one and they could not help me or get into the credit account file to make the change. I reported on all three credit bureaus discover credit cart is reporting in my credit file as well and it is the same issue it in not a joint account I do not have access or own these credit cards

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 2020-07-01 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: DISCOVER BANK
State: CA

Complaint narrative:
Per court order my ex husband is sole owner of account and I was to be removed. I went to XXXX XXXX and they could not help me or get into the credit account file to make the change. I reported on all three credit bureaus discover credit cart is reporting in my credit file as well and it is the same issue it in not a joint account I do not have access or own these credit cards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 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: CT

Complaint narrative:
In violation of the Fair Credit Reporting Act, XXXX continues to report inaccurate information about a consolidated federal student loan. The three credit bureaus have been notified via the dispute process multiple times ; yet, the reports continue to be inaccurate. 

Updated information regarding the dispute filed against XXXX was received from one of the three credit bureaus on XX/XX/2020. 

It contains wrong information still. What is XXXX consequence? What is the consequence for the three credit bureaus ( TransUnion, XXXX, and XXXX )? XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information. Who is more culpable for these errors? The three credit bureaus whose sole business is to report accurate information or XXXX, the business reporting the bogus information to the credit bureaus? 

Attached are screenshots from one of credit bureaus ( the other two are reporting similar information ) ; two screenshots from XX/XX/2020, one from XX/XX/2020, and one from XX/XX/2020. The errors are significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information ; it is the law.

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 2020-07-01 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: CT

Complaint narrative:
In violation of the Fair Credit Reporting Act, XXXX continues to report inaccurate information about a consolidated federal student loan. The three credit bureaus have been notified via the dispute process multiple times ; yet, the reports continue to be inaccurate. 

Updated information regarding the dispute filed against XXXX was received from one of the three credit bureaus on XX/XX/2020. 

It contains wrong information still. What is XXXX consequence? What is the consequence for the three credit bureaus ( XXXX, Equifax, and XXXX )? XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information. Who is more culpable for these errors? The three credit bureaus whose sole business is to report accurate information or XXXX, the business reporting the bogus information to the credit bureaus? 

Attached are screenshots from one of credit bureaus ( the other two are reporting similar information ) ; two screenshots from XX/XX/2020, one from XX/XX/2020, and one from XX/XX/2020. The errors are significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information ; it is the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: CT

Complaint narrative:
In violation of the Fair Credit Reporting Act, XXXX continues to report inaccurate information about a consolidated federal student loan. The three credit bureaus have been notified via the dispute process multiple times ; yet, the reports continue to be inaccurate. 

Updated information regarding the dispute filed against XXXX was received from one of the three credit bureaus on XX/XX/2020. 

It contains wrong information still. What is XXXX consequence? What is the consequence for the three credit bureaus ( XXXX, XXXX, and Experian )? XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information. Who is more culpable for these errors? The three credit bureaus whose sole business is to report accurate information or XXXX, the business reporting the bogus information to the credit bureaus? 

Attached are screenshots from one of credit bureaus ( the other two are reporting similar information ) ; two screenshots from XX/XX/2020, one from XX/XX/2020, and one from XX/XX/2020. The errors are significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information ; it is the law.

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 2020-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I defaulted on my loan in XXXX. The vehicle was repossessed in XXXX. The balance left on the loan is incredibly high. Also, there is a settlement that Santander has to pay out for people that defaulted on loans before XXXX due to predatory lending practices used by Santander. 

I was told that I did not qualify for the loan settlement. I would like proof of exactly why my defaulted loan does not qualify for the settlement. I paid nearly {$500.00} a month for my loan and it was a very challenging monthly note to pay. 

Also there showing I owe one balance of {$13000.00} on their company website but also reporting I owe a balance of {$18000.00} to the credit reporting agencies, which is thousands of dollars higher ( I attached screenshots ) When I asked exactly why my loan did not qualify for the settlement, the Santander representative could not give me an answer. they simply told me to check the secretary of states website for the state that I live in. 

I would like the balance on my vehicle reviewed and also an answer as to exactly why I don't qualify to participate in the settlement against Santander. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: UT

Complaint narrative:
Comerica ( Direct Express ) froze /deactivated my debit card that my SSI/SSDI goes on for no apparent reason I called customer service to find out why and get it reactivated man from customer service would not give his name and gave no reason for deactivation said he would reactivate if I gave him my name, address, social security #, birthdate, And phone # I did he said my information was incorrect and I would have to fax or email a photo of my ID when asked to speak with superficer he hung up on me. I waited on the line for 2 and a half hours to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I can't link my PNC account to XXXX. Really wish I would have know that before I sent all my money to them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I did a Settlement in the amount of {$280.00} with Convergent Outsourcing Inc. account number XXXX on a XXXX XXXX account number XXXX on XX/XX/2020. The agent documented the account notes of the Settlement because every agent Ive spoken with requesting the Settlement In Full letter has specified it. XXXX XXXX negotiated the settlement and took my payment. Since this time Ive spoken with XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I was advised the account would be dated to reflect Settlement In Full / Closed as of XX/XX/XXXX and I would be able to access this letter online. As of today the account is still reflecting derogatory on my credit as a Collections Account with a remaining balance. 

I spoke with XXXX previously and notified them this account wasnt my account, however Im in the process of trying to purchase a home and was advised I cant have any open collection accounts on my credit. Therefore I reached out to the agency to Settle the account to move the process along.

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 2020-07-01 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 — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I recently paid off a vehicle loan. To my suprise the lending company issued a 60 day delinquency againt my credit report. I have not missed a payment in 5 years. I have not received my vehicle title from loan company. I have atempted to speak to company representative /supervisor but No superior is ever available. Ive called company 3 times to get vehicle title. The company claims title was mailed on XX/XX/XXXX. It is XX/XX/XXXX I attempted to resolve issue with lending company but no resoluton was reached. I sent dispute to three credit reporting companys but issue was not resolved. My credit score dropped over 80 points. My credit score is now in the low 600 's

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently paid off a vehicle loan. To my suprise the lending company issued a 60 day delinquency againt my credit report. I have not missed a payment in 5 years. I have not received my vehicle title from loan company. I have atempted to speak to company representative /supervisor but No superior is ever available. Ive called company 3 times to get vehicle title. The company claims title was mailed on XX/XX/XXXX. It is XX/XX/XXXX I attempted to resolve issue with lending company but no resoluton was reached. I sent dispute to three credit reporting companys but issue was not resolved. My credit score dropped over 80 points. My credit score is now in the low 600 's

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 2020-07-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently paid off a vehicle loan. To my suprise the lending company issued a 60 day delinquency againt my credit report. I have not missed a payment in 5 years. I have not received my vehicle title from loan company. I have atempted to speak to company representative /supervisor but No superior is ever available. Ive called company 3 times to get vehicle title. The company claims title was mailed on XX/XX/XXXX. It is XX/XX/XXXX I attempted to resolve issue with lending company but no resoluton was reached. I sent dispute to three credit reporting companys but issue was not resolved. My credit score dropped over 80 points. My credit score is now in the low 600 's

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently paid off a vehicle loan. To my suprise the lending company issued a 60 day delinquency againt my credit report. I have not missed a payment in 5 years. I have not received my vehicle title from loan company. I have atempted to speak to company representative /supervisor but No superior is ever available. Ive called company 3 times to get vehicle title. The company claims title was mailed on XX/XX/XXXX. It is XX/XX/XXXX I attempted to resolve issue with lending company but no resoluton was reached. I sent dispute to three credit reporting companys but issue was not resolved. My credit score dropped over 80 points. My credit score is now in the low 600 's

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 2020-07-01 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: NV

Complaint narrative:
The following accounts should not be on my credit file, simply because they're not mines. Those particular accounts derived from identity theft. Please remove the following 1 ) XXXX XXXX XXXX  2 ) 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 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
JP Morgan Chase is refusing and has refused to answer because it proves a felony has been committed by them and it is in progress. JPMC EMPLOYEES ARE AWARE THEY ARE BREAKING THE LAW. 

THEY VOIDED INTEREST IN THE CONTRACT BY FRAUD. 
The issue is that JP MORGAN CHASE can not explain their actions without incriminating them selves. THE ISSUE HAS NEVER BEEN ANSWERED FOR THAT REASON. 

JPMC employees know that I can prove that they are aware that the breach of contract was to their detriment and liability. 
If they answer with a real answer they will be admitting wrong so they refused to answer because their intent is to steal property. 
JPMC is aware that the law was broken by their actions once that occurred every action since was to ignore their wrong doing as they try to take my home. 
this complaint has never been answered they only deflect and gas light the issue. 
XXXX XXXX mortgage law says that they embezzled money when my money was applied to another property my pdf that I sent proves wrong doing then the lack of corrective action proves criminal intent. 
obviously telling me every month from XX/XX/XXXX-XX/XX/XXXX that I had insurance was fraud because I did not have any insurance. 
the pdfs I send show that there was a checks and balance system that was never used. 
once the contract was broken by them I can not break it because it is voided in XXXX since they voided the contract they refused to do the right thing and own up to it and make restitution. as a result of their actions I was put under so much stress it caused a XXXX XXXX my life was shortened by this event. 
please bring in the FBI. Financial frauds Div. because insurance frauds and MTG fraud are not all that JPMC has done, EXTORTION IS TAKING PLACE RIGHT NOW.

Company response to consumer: Closed with explanation