vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Never received notice of the debt until after it was reported to credit agency. Contacted company immediately and paid debt, of which I was told I would recieve a confirmation email statement. I never received that. I called back and then I was told I would not receive a payment statement and that my bank statement would serve as my receipt. I submitted a dispute with the credit agency to have the collection account removed from my credit report and now the company who reported it will not remove it and states it is accurate as it stands even though the account has been paid in full. The problem is I only have a bank statement to show as proof of payment but no actual receipt from the company. So I am stuck with a collections account on my credit and again the company refuses to state it was paid or have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I obtain this loan in XX/XX/XXXX. Since the first payment date in XXXX of XXXX, I have never missed a payment and it has always been on time. In XXXX of XXXX I filed bankruptcy, but we reaffirmed the vehicle. I have made a payment every month since then. USAA is who this loan is through and I have called them numerous amounts of times about the loan and payments not reflecting on my Credit Report. I've spoken to my lawyer who has assured me that on XX/XX/XXXX the reaffirmation letter was sent to USAAs Lawyers and that the car payment should show positive on my Credit report. Speaking with several different people and departments at USAA, no one seems to be able to give a clear answer on why it is not and they can not even see the loan on my account, yet I have the loan payment history showing the account number and when it was taken out of my account monthly. I am trying to rebuild my credit and not having this show is not helping it at all. I am at a loss on what to do since the people at USAA can not help me. 

Thank you XXXX 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 2018-06-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is allowing collection agencies to report inaccurate information. I called Equifax on XX/XX/2018 to discuss this problem because I've disputed false information several times in the past with no action taken by Equifax. I was told to dispute once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I was notified by mail on XX/XX/2018 that my mortgage loan was purchased by XXXX XXXX on XX/XX/XXXX My original mortgage was through Quicken ; I closed on my new home XX/XX/XXXX. My loan was only with the original company I CHOSE for LESS THAN 2 MONTHS! Upon conducting some research, I learned that legally both the old and new servicer must notify me about the transfer of my servicing rights no less than 15 days before the effective date of transfer. I never received the servicing transfer notice, so I'm filing this complaint with the CFPB. Additionally, XXXX XXXX couldn't even be bothered to update my mailing address to the purchase address ( this should be a given, common sense! ) so I received the notice of them purchasing my loan over 30 days after it was sold because not only was it sent to my old address but it was sent out on XX/XX/XXXX. This is not right, these huge corporations need to be held accountable for the ways they take advantage of everyone! When is the corporation going to be held accountable/responsible and where is the protection for the consumer??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
XX/XX/18 XXXX mortgage company transfer my loan to Caliber Home Loan without providing the information I requested regarding, Real Estate Settlement Procedures Act. 

I reqested proof of Real Estate Settlement Procedures Act ( RESPA ) to Caliber Home Loan, including its chain of title, and required notices of transfer, and that the foreclosure proceedings cease on XX/XX/2018 pending receipt of said documents. However, I had not receive the information, and Caliber Home Loan is moving forward with a foreclosure on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a pair of shoes online with my Chase Sapphire Reserve credit card on XX/XX/XXXX. Card number XXXX. The item is sold year round and was advertised on the website for {$110.00} down from the retail price of {$490.00} for Father 's Day, but I was charged the full retail price + tax and the retailer did not want to honor the sale price. Chase offers a Price Protection insurance on their Sapphire Reserve credit card that will reimburse up to {$500.00} per claim for items purchased that are advertised for a lower price. I filed a claim on XX/XX/XXXX through their online claims center and uploaded a screenshot of the reduced price that I took when I purchased the item and my purchase receipt. A claim number # XXXX was assigned to me. After several days, I received a decision on XX/XX/XXXX that the claim was rejected due to being a seasonal sale. 

Chase 's terms and conditions state that exclusions include " Advertisements of sales of seasonal or discontinued items including, but not limited to, holiday decorations, clothes, or costumes '' Here is a link to their benefits. 
https : //www.chasebenefits.com/sapphirereserve These shoes are not a seasonal item as they are sold year round, but they are trying to extend this statement to seasonal sales. A seasonal item are products like Christmas trees, Halloween costumes, holiday cards, etc. I called their claims center to clarify and they are saying that according to their terms, they would not honor any seasonal sale including Black Friday, Mother 's Day, Veteran 's Day, semi-annual sale etc. The problem is that 95 % of retailers specifically time sales all year around these special dates, which would exclude basically a majority of their Price Protection claims. That is a very predatory practice to advertise an insurance service that most people can not even use. 

Please let me know if you can rectify this issue. All I want is for my claim to be properly honored. I can be reached at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
Creditor. XXXX # XXXX Amount. {$110.00} The XX/XX/2015, XXXX  ruined my lawn. And did damage to shrubs. I cancelled their services. 
I requested that they repair the damage ( burnt lawn, etc. ) and they would not respond. 
I should be bringing a counter suit to collect for the repairs to my lawn. 
I have photos. 
I have tried, repeatedly, to rectify this situation. I just keep getting collection letters from Transworld systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Informative Research
State: CA

Complaint narrative:
A company known as informative research based in XXXX XXXX California ( XXXX ). Pulled my credit four ( 4 ) times. Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I hired a company called XXXX XXXX which provided me templates to mail and dispute. These items. The responses I received requested more information as they claim to be a 3rd party. To date I havent been able to determine where these particular inquiries came from, or why they pulled my credit 4 times in 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
On XX/XX/2016, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of Limitations and FDCPA. 

I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. 

To date, I never contacted nor authorized XXXX XXXX XXXX XXXX nor Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against 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 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
My credit report had a collection placed on it from XXXX XXXX a couple of months ago. When this happened I immediately called them. This debt wasn't mine to begin with. I never owed XXXX money because I cancelled my phone and paid the early termination fees. But, they never cancelled my phone and it kept accruing a balance until I received a bill a few months later. I called XXXX to resolve at that time and they said it was fixed. So now, convergent places this on my credit and it's causing me all sorts of problems. So, I just settle the debt in order to avoid issues and pay them. They're supposed to delete the account but now it's still on my credit report. What a shame I paid a debt I didn't owe and it still sits on my credit report. They've sent me a letter stating that this debt is valid. See attached

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 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
The debt collector ( XXXX ) has falsely " parked '' old debt on to my credit report that was found to part of identity theft from XX/XX/XXXX. They have tried to " reage '' this debt onto my credit report as being opened XX/XX/XXXX and owing {$1200.00}. They have also falsely and illegally reported twice on this same account for another {$1200.00}, and have falsely said this was opened XX/XX/XXXX. XXXX recovery services has illegally harmed my credit on a debt that is not mine. XXXX  and XXXX cleared this identity theft over XXXX or 4 years ago. I have written XXXX with no response. I have asked them to remove this from my debt as I do not owe on this debt. Not only have they refused to give me information on this debt, they have now double reported on my credit report in an effort to collect more money from me. My next step is to sue them in court if this is not resolved. I have attempted to get this fixed for almost 2 years now with XXXX. They have falsely reported wrong information on my credit report with XXXX, with the sole purpose of keeping this debt " alive '', when it should have been removed from statue of limitations in XXXX and when this was found to be used from identity theft years ago. Because this information was removed over 3 years ago from my credit report I did not keep that paperwork as I thought it was final. Then XXXX parked this old debt after purchasing it wrongfully after the fact when it had been removed from my credit report. The original debtor was HSBC and had been removed from my credit report only for them to sell this wrongful debt to XXXX after it had been found to be part of several accounts used as part of identity theft. I have asked for any signatures of mine, driver license, proof that this was my account and have yet to receive anything back. Please help me get this matter resolved as I feel extorted to pay two debts on an otherwise clean credit profile while Im looking to purchase a home. After an inquiry on a mortgage is when the 2nd reporting of the {$1200.00} debt was added to my credit report. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I obtain this loan in XX/XX/XXXX. Since the first payment date in XXXX of XX/XX/XXXX, I have never missed a payment and it has always been on time. In XXXX of XX/XX/XXXX I filed bankruptcy, but we reaffirmed the vehicle. I have made a payment every month since then. XXXX is who this loan is through and I have called them numerous amounts of times about the loan and payments not reflecting on my Credit Report. I've spoken to my lawyer who has assured me that on XX/XX/XXXX the reaffirmation letter was sent to XXXX Lawyers and that the car payment should show positive on my Credit report. Speaking with several different people and departments at XXXX, no one seems to be able to give a clear answer on why it is not and they can not even see the loan on my account, yet I have the loan payment history showing the account number and when it was taken out of my account monthly. I am trying to rebuild my credit and not having this show is not helping it at all. I am at a loss on what to do since the people at XXXX can not help me. 

Thank you 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 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: MD

Complaint narrative:
Received a letter in the mail on XX/XX/XXXX stating I repay a debt to XXXX in the amount of {$1700.00}. I have never opened an account with XXXX  and it is not on my credit report. Mailed a letter back to the company on XX/XX/XXXX along with my formal complaint to CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
Mid South Adjustment XX/XX/XXXX I received a call telling me that I needed to pay 33 % or my debt to avoid further action of debt collection. She statedy last payment was XX/XX/XXXX of {$10.00} and I asked if she realized it was still XXXX. She said yes. I needed to make a payment of that 33 % and set up a payment arrangement to avoid action. I told her she can not accept money from me and take action until she declines it and to have a nice day. The have never called me until my balance hit {$100.00}. 
My payments are as follows. Two accounts. 
Original balance XXXX - XX/XX/XXXX - {$18.00} - XX/XX/XXXX - {$18.00} = {$95.00} - XX/XX/XXXX - {$10.00} = {$85.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} = {$55.00} Original balance XXXX - XX/XX/XXXX - {$18.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} The company does not provide receipts, statements, or new bills. I called and asked. I was told to keep up with it until the balance was paid in full. This was XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I agreed to a payment arrangement with XXXX to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that XXXX had purchased and collected on. XXXX stated that the payments would reflect on all three credit reports, XXXX, Equifax, and XXXX. I have sent multiple requests to XXXX, XXXX, and Equipfax to update the reporting of this account on the credit reports. I received multiple letters from XXXX that state the account was defaulted on in XX/XX/XXXX, charged off in XX/XX/XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XX/XX/XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to Equifax and XXXX agencies for correction of my credit reports. I have received the same response from both XXXX and Equifax of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by Equifax and XXXX. Experian lists all the above referenced months as FP which is translated to mean FAILED TO PAY and Equifax states no payment received. XXXX stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices XXXX used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies Equifax and XXXX are not taking steps to ensure accuracy on my report or responding to my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I agreed to a payment arrangement with XXXX to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that XXXX had purchased and collected on. XXXX stated that the payments would reflect on all three credit reports, Experian, XXXX, and XXXX. I have sent multiple requests to XXXX, Experian, and XXXX to update the reporting of this account on the credit reports. I received multiple letters from XXXX that state the account was defaulted on in XX/XX/XXXX,  charged off in XX/XX/XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XX/XX/XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to XXXX and Experian agencies for correction of my credit reports. I have received the same response from both Experian and XXXX of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by XXXX and Experian. Experian lists all the above referenced months as FP which is translated to mean FAILED TO PAY and XXXX states no payment received. XXXX stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices XXXX used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies XXXX and Experian are not taking steps to ensure accuracy on my report or responding to my disputes.

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 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: ND

Complaint narrative:
My home loan was sold to loan care/Lakeview Loan Servicing. I did not originate the loan there, so I have had no specific contact with any customer service representative. I attempted to call 3 different times within the month of XXXX, all ended with me hanging up as I do not have more than an hour available to wait to speak with someone. So at the end of XXXX I put in an electronic letter/e-mail to the loan company asking my question with hopes to receive contact back. When I did not receive anything back by the end of XXXX I tried calling again, still not a practical wait time. I then submitted another e-mail at the beginning of XXXX. Both e-mails detailed what I was looking for and how to contact me and neither have resulted in any attempted contact back to me. I feel that due to the reason for me contacting them that they are avoiding me. This is an unfair practice as this has possibly resulted in me paying at least an additional {$170.00} that I possibly would not have had to pay. I was contacting the company about possibly getting my private mortgage insurance removed, or at least looking into the idea. I assume that they would require me to pay for a new appraisal, but I needed to know what other costs would be associated with this and what the process would be. I have felt through this process that this company does not wish to help me to possibly get this PMI removed and are therefor unfairly trying to continue to charge me more than I should be. I feel that at the current time I am at or below 80 % loan to value, which is would be determined through a new appraisal. I am also open to the idea of making a lump sum payment to bring this down to 80 % if the new appraisal does not come back high enough.

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