vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
I received a bill from the tax assessors office stating that the taxes on my property had not been paid and are over due, nearing litigation phase. I promptly call to confirm and indeed they had not. I asked if the interest and fees can be waived and they can not, stating that just because you do not receive the bill does not mean anything, it was still my responsibility to pay the taxes. To avoid further fees I paid the tax bill with penalty and interest in full. I then called PHH mortgage company to as they reimburse me for the penalty and interest fee and they needed to see the paper work. I sent them all the paper work I had and said I should hear back by Friday ( now Monday ). I did not hear back so I followed up the following Tuesday. Which is when I was informed they would not reimburse me for the incurred fees. The problem being that the property being a duplex which I reside on one side of ( but own both sides ) has two parcel numbers. It has always had two parcel numbers, but the escrow just pays one account. Both parcel numbers have been on the previous year billings. Long story short they only paid half of the property taxes and will not reimburse me for the charges which arouse from their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: AL

Complaint narrative:
I have sent letters over and over asking the credit reporting agencies to verify or provide documentation his account ( XXXXXXXX XXXX XXXX XXXX/charge-off ) belong to me and i have not received anything. This letter is a formal request to bring my credit report in COMPLIANCE with XXXX data standards. I know that the credit reporting agencies are fully aware that credit reporting laws ensure that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the credit reporting agencies disclose to me all of the documents they have recorded and retained in their file at the time of this request concerning the accounts that you are reporting in my credit report. If the credit reporting agencies do not have any documentation in their files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After 15 attempts to submit a dispute online I am reaching out to the CFPB to facilitate a review of Equifax 's on-line dispute system. Equifax systematically requests personal information for identification then claims the information provided does not correspond with their information and their system kicks you out so that you have to submit, repeatedly, the same information, over and over again. They wear you down so they won't have to do an investigation. Criminal. They are preventing the process of removing erroneous information from personal credit reports that can effect a person 's ability to get a loan, job or positive reference for employment. They need to be held accountable for their punitive actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XX/XX/2018, this problem has been going on for weeks. Even when they send my a NEW confirmation number, I always get the same response " YOUR INFORMATION DOES NOT MATCH OUR RECORDS!. This is my last STOP BEFORE I Take them to court JUST BECAUSE I CAN'T get access to my credit reports!

They need to fix the problem pertaining to why I can't get access to my reports when I input the same information they send me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Seterus, Inc.
State: NY

Complaint narrative:
Seterus , Inc . 
XXXX XXXX XXXX XXXX, CT XXXX Seterus, Inc is my " mortgage servicer '' ( although they are primarily a debt collection agency and a foreclosure company. Seterus took over my mortgage from XXXX. They have been reporting my wife and I as late payers every month for years. 

We live in a co-op apartment so we own shares in the co-op corp which entitles us to live in our apt . The co-op corp owns the property and carries full insurances. 

Reason for the late reports is Seterus claims that we have no insurance on the property and they have increased our payment amount to cover insurance. We don't pay the increased amount. We have provided proof of insurance over and over which Seterus ignores.

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 2018-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
Phoenix Financial Services began contacting me about a debt that I believe has been paid to a different creditor. I have explained that I am in the process of attempting to validate this debt with the original creditor and to please stop calling me. Since then, the have have called me repeatedly, as often as 4 times in a single day or more. 

When I answered to find out who they are and why they keep calling and explained that I can not verify or validate this debt the man who called me hung up on me.

I have spoken with the original creditor ( a hospital ), and they do not have a record of this debt or a record of the debt being placed with Phoenix. As I can not verify that this is a legitimate debt I will not give Phoenix any money. 

They have called me from : XXXX at XXXX XXXX ( 2xs in a row ) on XX/XX/2018 XXXX at XXXX XXXX ( 2xs in a row ) on XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I called PayPal Credit ( Bill me later ) on XX/XX/XXXX to get my balance on my account. 
the customer service rep told me that my account has been closed because i filed bankruptcy and that they mailed me a check back in XX/XX/XXXX in the amount of {$1800.00}. I told them i never rec 'd a check and i had already paid them another $ 500- {$800.00} since then, depending on when they did there audit on my account. 
I asked where have all my payments been going since i am paying on my account shouldn't i have a credit on my account? No, because my account is closed. No one can tell me anything. Nor help me. Pay pal owes me a couple thousand dollars at this point. 

i asked them to look at the check they mailed me i never rec 'd it NOR cashed it. To asked that the check be stopped and to send me a new check ALONG with doing an audit on my account to see how much more they owed me since i have paid several hundred dollars more. I was never notified that my account was closed and to no longer pay them anymore. 

I have been calling several times over the past 2 weeks and no one can seem to help me, they just say that they have a " case '' in and that it has been transferred to the back office but the " back office '' does not have a phone number nor can i be transferred to anyone.

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 2018-07-31 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: TX

Complaint narrative:
I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

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 2018-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wanted to buy a XXXX XXXX and I went on an app called XXXX and the seller told me to text him and I did and we negotiate on a price of {$170.00} then I tell him if I pay him on a app and he said if I had the app called XXXX and I went on my bank of America app and sent him the money thinking I had some type of protection either from my bank or XXXX I texted the guy 2 days later and no response then I send a request for my money back saying I changed my mind and he declined it then I send another saying I reported a fraud and found out his location then I look up his number on a website and his location is in XXXX NJ and I looked up his email and it wasn't found. Then I write an email to XXXX and still haven't heard anything from them but doing some research online I found that other people in the same situation get no help at all from XXXX. Please help anyway you can anything is appreciated.

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 2018-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: iFreedom Direct Corporation
State: FL

Complaint narrative:
The appraisal ( 16-VA-517 ) was and is so defective that the VA Appraiser attempted to amend and supplement the appraisal either retrospectively or with the facts as he had established them. The VA Staff Appraisers refused him that necessity. He immediately refunded me the costs I paid him for that appraisal. I told the Originator that the appraisal was wrong, I told the closing agent and it is obviously so defective that it in no way reflects public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have sent letters over and over asking the credit reporting agencies to verify or provide documentation his account ( XXXX XXXX XXXX XXXX/charge-off ) belong to me and i have not received anything. This letter is a formal request to bring my credit report in COMPLIANCE with XXXX data standards. I know that the credit reporting agencies are fully aware that credit reporting laws ensure that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the credit reporting agencies disclose to me all of the documents they have recorded and retained in their file at the time of this request concerning the accounts that you are reporting in my credit report. If the credit reporting agencies do not have any documentation in their files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.

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 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have sent letters over and over asking the credit reporting agencies to verify or provide documentation his account ( XXXX XXXX XXXX XXXX/charge-off ) belong to me and i have not received anything. This letter is a formal request to bring my credit report in COMPLIANCE with XXXX data standards. I know that the credit reporting agencies are fully aware that credit reporting laws ensure that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the credit reporting agencies disclose to me all of the documents they have recorded and retained in their file at the time of this request concerning the accounts that you are reporting in my credit report. If the credit reporting agencies do not have any documentation in their files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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: CA

Complaint narrative:
Experian is reporting a {$410.00} unpaid debt to XXXX XXXX. I contacted them, who said it is a XXXX account and that XXXX is in charge of the account. I contacted them and was informed it was in collections. I contacted the Collection Agency who said there was no record of this account and to contact Experian. This a fraud account from XX/XX/XXXXfor XXXX service at a Michigan address. I have been XXXX XXXX military since XX/XX/XXXX, and in XX/XX/XXXX I was stationed in California, so there is no way this account was mine. In XX/XX/XXXX I became aware of this and filed disputes with all 3 credit bureaus. XXXX and XXXX removed it from my credit report in XX/XX/XXXX, but Experian is still reporting it. I need this removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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: FL

Complaint narrative:
I have notified my certified mail the credit bureau named Experian 3 times to validate and verify 2 accounts on my report. They come back with " verified '' or updated on my report. I asked for proof of verification to show me how this is indeed my debt and they never have any signed contracts or proof to send back.

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 2018-07-31 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I have disputed all of the Designed Receivable account entries that are reflected on all of my credit reports with the credit bureaus as well as with Designed Receivable. In my most recent communication to them dated XX/XX/XXXX ( see attached ), I specifically requested that they provide a summary of all account activities, copies of all charge slips, and all other documents proving indebtness, copies of all documents sent to me regarding the alleged account and copies of any papers that show I agreed to pay what is alleged bearing my original signature. To no avail. 

Designed Receivable responded in their letter dated XX/XX/XXXX, confirming that the accounts did not belong to me. In fact, they only referenced 1 of of the 4 accounts that they are negligently reporting. How so? Why were they not able to provide any substantiating documentation for the other 3 accounts. Designed Receivables did not provide a copy of the financial responsibility page, nor did they provide a copy of my signature with the provider of service to release medical information to them ( for any debt they are alleging is mine ). Designed Receivable did not provide a dunning letter prior to inserting these inaccurate, unverifiable derogatory entries on my credit report. 

To that end, DELETE ALL THESE ERRONEOUS, INACCURATE, UNVERIFIABLE ENTRIES FROM MY REPORTS. They lack veracity in their reporting. The date opened for the same accounts on each bureau differs. This is a violation of the FCRA. They are reporting that the accounts are past due and that is inaccurate as I have never opened an account with them nor have I ever did business with them. If these accounts were mine, they are reporting the hospital name on XXXX and that is a violation of the FCRA and FDCPA. In summary, there are many violations that are blatantly reflected among all entries on all 3 of my bureau reports. DELETE IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
I have repeatedly asked XXXX XXXX XXXX to contact my attorney XXXX XXXX to work out payments since I have retained his services to settle my debt. Instead they keep calling and harassing me. Insisting that if I don't take care of this now they will speak with my employer. After telling them on numerous occasions that I will lose my job if they contact me at work they still contact me. I have an attorney they can speak with but they insist on harassing me not only at home but at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 I visited a Wells Fargo branch at XXXX XXXX XXXX in XXXX XXXX California and submitted a power of attorney my mother prepared for me to manage here finances because she is incapacitated. The bank refused to recognize the POA and cited spurious reasons which I demonstrated were false. I asked them to reconsider but as of today, XX/XX/2018 they still have not recognized the POA. I need access to her accounts to provide for her welfare.

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 2018-07-31 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX is reporting a {$410.00} unpaid debt to Diversified Consultants. I contacted them, who said it is a XXXX account and that XXXX is in charge of the account. I contacted them and was informed it was in collections. I contacted the Collection Agency who said there was no record of this account and to contact XXXX. This a fraud account from XXXX for XXXX service at a Michigan address. I have been XXXX XXXX military since XXXX, and in XXXX I was stationed in California, so there is no way this account was mine. In XXXX I became aware of this and filed disputes with all 3 credit bureaus. XXXX and XXXX  removed it from my credit report in XXXX, but XXXX is still reporting it. I need this removed from my credit report.

Company response to consumer: Closed with non-monetary relief