vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Goldman Sachs failed to respond to CFPB complaintXXXX which Goldman Sachs raised additional questions in previous responses. NOTE : the below questions are the same questions we have already requested earlier this year which were not answered by Goldman Sachs. If Goldman Sachs answers these remaining questions honestly, we will cease and desist all complaints against Goldman Sachs. If Goldman Sachs fails to answer these questions, we will continue to file additional complaints until these questions are answered! Furthermore ; complaints against Goldman Sachs will be posted on the internet for all consumers to view which will not look good for Goldman Sachs!
NOTE, failure to address complaints may be a violation of federal and state laws! First, after purchasing our Note and Deed of Trust from XXXX XXXX XXXX in XXXX XXXX ; did Goldman Sachs ever sell, transfer or Reconveyance our Note and Deed of Trust which is located in GSR Mortgage Loan trusXXXX XXXX? Second, if so, who did Goldman Sachs sell, transfer or provide a Reconveyance too? Please provide documentation! Third, please provide dates with your documentation! Please respond to our questions accurately and provide documentation so we can resolve this matter. NOTE : forwarding this complaint to the servicer, XXXX XXXX XXXX will cause additional complaints to be filed against Goldman Sachs! These complaints do in fact pertain to our note and deed of trust which reflects how the servicer has failed to act in good faith which has violated our laws. With this being said, these questions are warranted due to the fraud and bad business practices that has occurred. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
M y problem is with Wells Fargo, the ho lder of my mortgage loan. They have dragged their feet and put us through the runaround for  over two yea rs and are now setting a foreclosure sale date of  XXXX   XXXX . They have refused to initiate a review of our current financial circumstances, even though things have changed and the amount of income for the household has significantly increased. We received a letter from  Wells Fargo last month fro m  XXXX   XXXX   Executive Resolution Specialist that stated that Wells Fargo will not review your loan for mortgage assistance options again. There is no reason given. I am pretty sure that Wells Fargo is  supposed to be looking at our current and correct financial information. We have several relatives living in the home and everyone is trying to pitch in to help so that we can save our ho  me. Wells Fargo is purposely denying my family access to government programs that we could qualify for and I dont know why. Not only are they refusing to conduct a review and instead trying to set a foreclosure sale date, they also failed to offer us the option of mediation as required by New Jersey state law.
This is part of a pattern. Wells Fargo has repeatedly dragged their feet, misplaced documents and given us the runaround. We just want the chance to save our home, but Wells Fargo   will not review the current and correct financial information. There are  XXXX  of us living here including  XXXX  young children. I understand that we fell behind but we can make this work and can qualify for a modif ication if Wells Fargo gives us a chance. They are now saying we dont get any more chances. I dont know of any rule or guideline that says you cant re-apply for help if your financial situation changes. I think Wells Fargo is making this up and trying to avoid helping us so they can foreclose. Based on their actions in relation to the fake bank account scandal I am not sur prised.

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 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: DE

Complaint narrative:
XXXX   XXXX  is attempting to collect funds from me for a delivery of water they never made. It was scheduled to be delivered but never was. This is not the first time the newer delivery driver failed to deliver to us and we were still charged. I know this for a fact because I have an HD video surveillance system. They assured me on three different phone calls that the bill would be corrected but it never was. Also they are trying to collect additional funds they are not owed for late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , MO  XXXX  Phone : (  XXXX  )  XXXX  Has reported a totally FALSE debt on my credit report. Here is the explanation to  XXXX , the credit reporting agency. This is NOT MY DEBT. It does not belong to me. There is no verification or proof that shows that it belongs to me. This is a SCAM. They have DINGED MY CREDIT REPORT WITH BOGUS INFORMATION.     Midwest Recovery Systems, LLC ; Collection Reported  XXXX  ; Assigned  XXXX  ;  XXXX   XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX   XXXX  ; Amount {$850.00} ; Status as of  XXXX  Unpaid ; Date of 1st Delinquency  XXXX  ; Balance as of  XXXX  {$850.00} ; Individual Account ; Account #  XXXX  ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Collection Account ; Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX  : (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I am monitorin g My Credit report and I contacted Credit Management   XXXX   XXXX ,  2017  @  XXXX  est. I have no contract with  them 15 usc 1692. I ask for a validation. Agent sta ted that I was n't in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NE

Complaint narrative:
In  2005 a student loan application was processed with my name and information attached to it. I did not sign the documentation nor do I agree with the terms of the loan. My personal credit has been effecting my history and credit reporting agency. I have been trying to deal with the owner of the loan for over 11 years and they still refuse to act. My credit continues to have just one negative report on it. I deserve a timely response in this matter but no one else sees that. Please help restore my credit and step on the lower life form at AES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have sent several dispute letters as this is not my debt. I have always had insurance to provide to the hospital but this bill is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I recieved a letter regarding this debt and then I responded that I am unaware of this debt nor is this debt mine. I then recieved a credit report with once again my score lowed. This debt as I explained to this company is not mine, I have never been to this place and I live in another town/county as they are saying this debt is owed, I never even recieved a bill regarding this debt if I did owe it, I recieved a letter and I replied and then few weeks later it is added to my credit report. Again, this debt is not mine and they need to verify accuracy and name before sending owed bills to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: IL

Complaint narrative:
I 've disputed this debt with Americolle ct Inc., They 1. Have ne ver " Responded '' to my dispute as per the FCRA AND FDCPA guideline s. 2. I 've i nformed them the debt is NOT MINE, I would like them to send me a copy of all medical bills WITH MY SIGNATURE, and if they are able to obtain these, I would like the following along with it : The person they ( Americollect ) spoke with at the original creditor, I need their name, address, phone number and extension to pursue further action. I 've tried contacting this agency to no avail. I would like the account removed from my credit report and they can find out who it belongs too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Avant Credit Corporation
State: OH

Complaint narrative:
The amount of the loan was over  XXXX . According to my credit report, the payments were inconsistent over the last year and then the payments stopped. I called the company to file the report of theft and the information they have on their file is accurate.     However, they were claiming that i file a report against the BBB and did other actions. They told me they were going to send me some documents to fill out and send to them to claim the fraud and they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I ha ve a Target store c ard that I charge to infrequently and earlier this year had a balance that I thought I paid off. However, because they charged me  a (  very high {$38.00}  ) lat e fee, I still owed them a small amount of money ( which was really a leftover piece of a late fee of a few dollars ) that I was not aware of. They then charged me a late fee on top of that and another one on top of that and so on so basically what they are doing is continuing to charge me late fees for not paying late fees that I do n't agree with. I called them on Monday,     XX/XX/XXXX  t o discuss because I could n't figure out what was going on ( they have/had my name spelled completely incorrectly so not sure I was getting every bill and on the bills I had I could n't figure out what I had charged that caused me to owe them anything and I had n't been to the store in some time ). When they explained that they were basically charging me late fee upon late fee upon late fee with no underlying overdue balance, I told them I thought that was not reasonable and asked them to waive some of the charges. They refused to waive any of the charges so I told them to cancel my card. They said they could not cancel charges, which is n't true. They cancelled my card/account but told me they would continue to charge me late fees upon late fees if I did not pay the balance by the due date, which is   XX/XX/XXXX .  I asked to speak to a supervisor and they said there was no supervisor available. They told me a supervisor would call me  within 24-48 hours. I still have not  heard from a supervisor and would like to clear this up but I do n't think I should have to pay all of the balance. I 've never dealt with a company that behaved like this. They 've lost my business. I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
There a re   XXXX   compan ies reporting a delinquent account that originated with a 60 month loan with  XXXX  that was secured by a vehicle. T he Loan was  originated on   XX/XX/XXXX   for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on   XX/XX/XXXX  . I paid this loan as agreed until Approximately   XX/XX/XXXX  when the loan was transferred to   XXXX   XXXX   for servicing. I was notified by    XXXX   XXXX  that my balance was still {$13000.00} after I had been paying my payments since   XX/XX/XXXX    ( 5  years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on   XX/XX/XXXX  which I refused via fax on  XX/XX/XXXX  and asked them to come and pic k up the car that the loan was secured on.      XXXX   XXXX  then transferred the Loan to  XXXX   XXXX  who also tried to collect before selling the account to LVNV funding. I currently have a delinquent closed account being reported on all  XXXX  of my credit bureau reports by  XXXX   XXXX   XXXX  for the loan which was originated with  XXXX  as well as a delinquent Open Collection Account on all  XXXX  of my credit bureau reports  by LVNV Funding  in the amount of {$13000.00} which again was originated with  XXXX . My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the   XXXX   XXXX   Welcome Lett er ) ; comple tely different than the Original Note ( Shown on the  XXXX   Loan Origination Note ) Th e   XXXX   XXXX    Welcome letter does however reflect the correct  XXXX  Loan/Account number and corresponding  XXXX   XXXX  account number, which is then referenced by  XXXX   XXXX  an d LVNV  Funding. I will also include a letter from  XXXX  stating that they no longer have any of the documents of my real estate loan that was originated with t hem ( it was actu ally a 60 month vehicle loan that originated on   XX/XX/XXXX  ) s  o t hey will delete the account from my  XXXX  agency credit reports.     I would like to have any delinquent accounts associated with the Loan that was Originated with  XXXX  be deleted from all  XXXX  of my credit bureau reports PERMANENTLY Deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax shows medical bills unpaid that should not effect my  FICO s core Equifax dropped my score over  XXXX  points due to these outstanding medical bills that insurance failed to pay.   Additionally equifax should not effect fico score based on new law passed No other reporting agency shows these medical bills I have asked several times to have removed by equifax and they continue to ignore my request!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX   shows medical bills unpaid that should not effect my FICO score   XXXX    dropped my score over  XXXX  points due to these outstanding medical bills that insurance failed to pay.   Additionally  XXXX  should not effect fico score based on new law passed No other reporting agency shows these medical bills I have asked several times to have removed by  XXXX  and they continue to ignore my request!

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 2017-05-17 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On  XXXX   XXXX ,20 17 i settled with a debt collection agency MIDLAND CREDIT for the amount {$650.00}. They stated to me they will remove this from my credit being th at i have no obligation anymore to this account. It has not been removed states charged off with derogatory marks which is really hurting my score. After being harrased by the company and force to sue me and i settled with them they DID NOT comply as they stated to me as removing the negative remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I was told that it would be beneficial to consolidate my student loans since I was applying for the   XXXX    Loan Forgiveness. I called to verify that my consolidation would not affect by Bankruptcy Forbearance and was told it would not. Now, I am receiving a bill for {$1500.00} and was told that the loan was disbursed after my bankruptcy filing and was not included in the bankruptcy. I am currently in the middle of my Chapter   XXXX  repayment and my bankruptcy will not be  discharged  until  2019 . The provider acknowledged that I was provided incorrect information but told me there was nothing they could do. My only recourse was to contact my attorney. I am in the process of working with my attorney but this needs to be resolved. I was given incorrect information with a significant financial impact. FedLoan.org needs to be sanctioned and ordered to reinstate my bankruptcy forbearance. This predatory behavior is despicable and must be terminated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I FILES FOR CHAPTER  XXXX  PROTECTION IN   XX/XX/XXXX  . PAID INTO THE PLAN FOR 5 YEARS AND WAS  DISCHARGED  IN  XX/XX/XXXX . THE BANKRUPTCY FELL OF MY  XXXX  CREDIT REPORTS IN   XX/XX/XXXX . I HAVE A AMEX CREDIT CARD WITH A LIMI T OF  XXXX  WHICH I KEEP PAID OFF. I APPLIED FOR A   XXXX    AMEX CARD ON   XX/XX/XXXX   AND WAS DECLINED BECAUSE THEY SAID I FILED FOR A BANKRUPTCY. THERES NO COLLECTIONS, BANKRUPTCIES OR DEROGATORY MARKS ON ANY OF MY REPORTS. I BELIEVE THEIR HOLDING A OLD BANKRUPTCY AGAINST ME TO NOT EXTEND CREDIT TO ME AND THATS WRONG. THANKS I MIGHT ALSO ADD THAT THEY NEVER PULLED A COPY OF MY CREDIT REPORT EITHER TIMES IVE ASKED FOR CREDIT WHICH HAS BEEN A FEW TIMES. I HAVE ALERTS WITH   XXXX   AND THIS IS THEIR CREDIT REPORTING AGENCY OF CHOICE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Account closed by company stating due to annual review and lo w credit score no   balance on card

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 2017-05-17 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX / XXXX / 16  Called credit bureau to try to have inquiries removed

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 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputes with Equifax  three  seperate times  XXXX  tax liens showing on my report. This item was incorrectly assessed at the creditors level. Because the first  two  disputes came back as verified by  XXXX  I did my own research. Verified that this debt was not mine and the issue was resolved at the creditor level.  XXXX   XXXX  did a investigation per my request found the debt to not belong to me and removed it from their files. I started my third dispute with Equifax. This item was removed promptly by   XXXX    and  XXXX . I faxed my   XXXX   XXXX   report to Equifax with my dispute. Equifax stated numerous different things to me such as they verified the debt directly with the lien holder  (  creditor ). Which they did not. I requested in writing how they verified the debt. That statement sent to me by  XXXX  stated it was verified through   XXXX   XXXX  . It was not. Once I received that statement from experian I asked for an updated copy of my file from   XXXX   XXXX   It was still clear of the debt. I have spent well over  20  hours on the phone with  XXXX  to remove this item and they refuse stating that it was verified directly from the source. I called the source of the debt. They stated that they do not communicate with credit agencies directly ever. I asked for verification that the debt was not mine. The creditor stated that it never existed so they could not send me any letter stating that the debt was not mine. Additionally they stated that my record is clear of the debt and should reflect as such. It does reflect correctly with   XXXX   XXXX  . I am in a mortgage closing situation and it is delayed because of this refusal to remove the item. I can not close a mortgage loan with tax liens on my credit. My original close date  was      XX/XX/XXXX . It  is pushed back indefinitely. The owners may recind our contract to purchase. I have been calling actively since the end of     XXXX   2017   but the initial dispute was submitte d two ye ars ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
XXXX / XXXX / 16  Called credit bureau to try to have inquiries removed

Company response to consumer: Closed with explanation