vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Common Wealth Financial System Inc XXXX XXXX XXXX XXXX XXXX, PA XXXX Derogatory credit on my credit report. I sent letter XX/XX/2019 asking for documentation of debt. I was not provided any information or original documentation including bills etc. I am unsure of what this creditor is referring to and need proof of legitimacy. 
If company can not provide documentation I would request it be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
I have submitted a Qualified Written Request to Specialized Loan Servicing as I am very concerned with my closing documents, and who has the wet-inked, original Deed and Note of my loan, as well as Assignments and Substitution of Trustees. I am also very concerned about the fees and many other concerns and therefore, I am sending this request to be clarified in detail. 

This company, Specialized Loan Servicing, has not provided any information to me verifying any of my questions presented and yet has a XX/XX/2019 sale date to steal my property before they can prove to me they can legally move forward or who the owner of my loan is! 

I am reporting SLS for not providing me with my requested documents and answers to my questions, for not being able to prove that they have a right to even service this loan, let alone provide me with the owner of the loan. I am asking for your protection as you enforce the rules and laws that SLS is supposed to be complying with, report and fine SLS for non-compliance with my Qualified Written Request and not allowing me time to receive nor review their response once I eventually receive it and force SLS to comply with the written law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
Today ( XX/XX/XXXX ) and last Friday ( XX/XX/XXXX ) Advance America has called my employer in an attempt to collect a pay day loan. To my understanding, it is illegal for them to contact my employer in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: CO

Complaint narrative:
I had an old hospital bill on my credit report for {$660.00}. It was sold to a debt collector within a few months of the day I went to the hospital because I have never made any payments whatsoever. I have called the hospital & confirmed the date was XX/XX/XXXX. However the debt collector sold it to another debt collector called XXXX XXXX. This collector has purposely & illegally given inaccurate dates saying that the account is only a couple months old & that it was opened in XX/XX/XXXX so that it will be on my report for another 7 years from that date! I have filed an online dispute with experian & waited weeks & the results show nothing has changed after their investigation has been completed. Its still showing that I just opened the account! I have tried to call experian multiple times for 3 days with all the numbers I can possibly find. Theres no option for you to speak to someone on any line whatsoever. The automated system asks for your social & only gives you 2 options every time : buy a report or find out about some sort of fraud. Theres no option for disputes or anything else! I want this problem corrected as it does affect my credit badly!

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 2019-09-09 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: PA

Complaint narrative:
Leasing agreement with XXXX XXXX of XX/XX/XXXX. 
Monthly payments : {$490.00} On XX/XX/XXXX I signed up online on XXXX for a recurring Payment Plan Schedule. 

The same day, I got a confirmation from XXXX XXXX, that the plan would start as per XX/XX/XXXX and the Money would be withdrawn from my Bank account with XXXX XXXX XXXX, account ending of XXXX. 

In addition, I was informed that the plan would be in effect until cancellation, in which case I was advised to visit XXXX XXXX XXXX on the account summary or contact XXXX XXXX XXXX XXXX. Furthermore, I was informed that if I had any questions about the recurring payment plan related to my account XXXX I could contact XXXX XXXX directly. 
All signed by XXXX XXXX, XXXX XXXX XXXX, XXXX Texas. 

XX/XX/XXXX I visited the website and paid the XXXX XXXX payment since I was unsure if the plan would cover that payment as well. 

The next thing I learned was on XX/XX/XXXX, that XXXX XXXX has reported me to the credit bureaus for an overdue account. 

When I called XXXX XXXX I was informed that the Recurring payment plan was for unknown reasons never made effective in their end. 

I claimed that I have a print of the confirmation of my subscription to the recurring payment plan and that I never got the information that it was not in effect. Also, I informed them that I never received any reminders or notice that I would be reported to the credit bureaus. 

The first person I spoke to was XXXX from customer service, who was kind enough to escalate the matter to the Executive Office, where I spoke to XXXX. 
She confirmed that my attempt was filed in their end, but again she could not explain why the subscription was not effectuated. 
She asked me to send a copy of the confirmation, which I did. 
After that, another individual from the Executive office called me and informed me they could not withdraw the report since it was my responsibility to make sure the payment plan was in effect. 

I informed her that the money was available at the account I had designated, so it has not only been my intention to pay but I was proven capable of doing so as well. 

I hereby complain about XXXX XXXX handling of my case and their report to the credit unions even though the lack of payments was their fault. 

It is important here that my credit score went from XXXX to XXXX, which undermined my capability of refinancing my house. 
Sincerely XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA

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 2019-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
This company has sent me documents of debt and I have never done anything with this company. They have reported the debt as a joint account however I asked for documentation and all I got back was a letter with an electronic signature of only mine as well as the name of contact that was only my name.I asked for any docs they may have as proof as well for the debt and they dont have anything except for an electronically signed doc. This needs to be removed I have asked for multiple things to be provided and they have not been able to deliver anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
Today is XX/XX/XXXX. I have a mortgage through Amerihome Mortgage who purchased my loan in XXXX. I went through a two month period where I didn't receive my normal XXXX XXXX payment and I fell behind on my XX/XX/XXXX and XX/XX/XXXX payments. I called a HUD financial counselor for advice and they suggested I ask to participate in a repayment program. 

When I called Amerihome to request a repayment plan option, they told me that they did an escrow analysis and my school taxes jumped from around XXXX to XXXX a year. AS a result, my monthly mortgage payment starting in XX/XX/XXXX ( I am atatching the statement ) going forward is now XXXX dollars. Due to the high payment, I did not qualify for a repayment plan option. 

I got copies of my tax bills from our County Assessor 's office to verify that my taxes hadn't gone up that high - actually not a t all. I called Amerihome back and tried to get answers on who how and why they decided my school taxes were XXXX a year. They told me that just happens sometimes and they have no control over it. I spoke with the person in charge of my escrow account and he had no explanation either. They told me they were going to put in a work order to do an investigation which would take about 30 days. 

In the meantime, hey repayment plan is not an option for me and in another 30 days I will be in a worse situation. I can get caught up for XX/XX/XXXX for now but the XX/XX/XXXX payment is XXXX and this company does not accept partial payment. I went down that road before where I sent two partial payments of XXXX and XXXX, they cashed one of the checks, then sent me letters saying I owed the full amount because they don't accept partial payment. It took me almost two months of arguing to get that money back from them. 

I need help and clearly my school taxes aren't XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For the past two years, I have been denied credit due to what was reported to the companies for which I applied too, and the information on my credit report ( once I received it ) wasn't what the companies reported was given to them by the credit agencies. The Credit reports came from XXXX and Experian, but there was not form to resubmit to the credit reporting agencies to inform them of what was occurring with the incorrect information. However, since that time I've been recently denied credit again, althought ; since the denial I've had unpaid hospital bills due to being put into a unpaid status unjustly at my place of employment, which probably has lead to negative issues on my report after XX/XX/2019! However, my credit score took a 100 point dive for some unknown reason prior to my unpaid medical issues recently! Nevertheless, I did receive a settlement notice from one of the credit reporting agencies that my credit information may have been compromised, which I suspect that it has been compromised with both of the agencies by the issues that I've been having over the years with my credit, after having Excellent credit for many years!!!

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 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: RI

Complaint narrative:
I purchased a new home before selling my old home. I went through XXXX XXXX, XXXX XXXX Mortgage Advisor. He recommended XXXX XXXX XXXX as the lender because they offer a 'recast ' product which allows me to apply the proceeds of the sale of my first home, and it will lower my monthly payments as opposed to just applying it to the principal and keeping the same high payments. We closed on the new home XX/XX/19 and sold our original home XX/XX/19. On XX/XX/19, I called XXXX XXXX XXXX to start the recast process. When I called, I was told I had to email them, so I emailed them that night with all my information. This included the account number, my contact info, and how much I wanted to put on the mortgage. I received an auto reply, so never opened the email until XX/XX/19. As I scrolled down, I read they were asking for all the info I had already sent them. I replied to that email and repeated the information which was in the earlier email. I heard back on XX/XX/19, in a confidential document that I had to sign in for, only to read that they could not start the process because my loan was getting sold. I had to apply again after XX/XX/XXXX. XXXX XXXX had said the process takes 60-90 days, so now I have to wait until XX/XX/XXXXto apply again to start the process! I feel this is a scam and a way for them to keep getting high interest payments from me. I contacted XXXX at XXXX, and he contacted them to see who it is getting sold to. I'm in fear then ew company wont allow recasting! It hasnt evenbeen assigned yet, it's only in the process of getting sold. This is another reason why I dont understand why they can't allow me to recast now. Please advise asap, time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX, I contacted my bank, USAA, to update my mortgage payment for a new escrow estimate. As a condition to assisting me, the representative required I provide my employment status, industry, and name of employer. It is unclear to me why any of these questions should be a condition of service, though the representative claims it is now required by government regulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: MoneyLion Inc.
State: CA

Complaint narrative:
I have reached out to Moneylion by telephone and their online customer service center. I only get a automated system that states a representative will call me back. When the call back happens as soon as you answer it hangs up. When submitting requests thru the online customer support it sends back a generic message and tells you to login to view details. My loan balance is incorrect and not reporting to my credit correctly. I have tried to call at least 10 times and have sent in 5 requests. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Tried to get my annual free credit report from Equifax using the free report website. Constant for pay pop-up and ads try to redirect you. This should be a secure site free from all the XXXX. I was denied my free report for unknown reasons. I will be complaining to my congressional representatives and senators.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: TN

Complaint narrative:
I was charged {$280.00} incorrectly by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I contacted XXXX, and was able to correct the information, and was sent a letter by XXXX XXXX from the XXXX XXXX XXXX on XXXX XX/XX/2018. He informed me this was also being sent to all 3 credit reporting agencies, and should be removed in a month 's time. It is still on all 3 credit reports, and I am unable to have it 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 non-monetary relief
Consumer complaint received 2019-09-09 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: MD

Complaint narrative:
On, XX/XX/XXXX I mailed a certified letter to Equifax, and XXXX XXXX XXXX to investigate the information that is reported on my Equifax and XXXX consumer credit report from the company XXXX XXXX. I paid all payments on time, I was never late. According to my Equifax credit report ( Date of first delinquency report XX/XX/XXXX ) which is inaccurate. Two weeks later an I still have not heard anything from both credit reporting agencies. I tried calling on XX/XX/XXXX an a Equifax customer services representative stated they did not receive a dispute letter from me. When I called XXXX on XX/XX/XXXX ; they stated that I have to wait for a letter in the mail. I also mailed a dispute letter to XXXX XXXX for them to validate and provide proof for what they are reporting on my credit report, and yet I still have not heard or received proof of what is being reported. XXXX XXXX   is report inaccurate information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reached out to XXXX  by telephone and their online customer service center. I only get a automated system that states a representative will call me back. When the call back happens as soon as you answer it hangs up. When submitting requests thru the online customer support it sends back a generic message and tells you to login to view details. My loan balance is incorrect and not reporting to my credit correctly. I have tried to call at least 10 times and have sent in 5 requests. Please help me resolve this.

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 2019-09-09 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: CA

Complaint narrative:
I have reached out to XXXX by telephone and their online customer service center. I only get a automated system that states a representative will call me back. When the call back happens as soon as you answer it hangs up. When submitting requests thru the online customer support it sends back a generic message and tells you to login to view details. My loan balance is incorrect and not reporting to my credit correctly. I have tried to call at least 10 times and have sent in 5 requests. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have applied for the XXXX Credit card on my XXXX through the XXXX app and have been denied both times because my " identity can not be verified ''. I am using a California Real ID which has XXXX  HSA requirements to verify I am who I am. 
My Real ID has a PO box and Goldman Sachs will not accept a PO box but does not provide an additional physical address box when applying. I live in a rural area that doesn't not deliver to my physical address which is why all my IDs have PO boxes -- it is the only way I can receive my mail. 
I tried calling the XXXX Support and all they say is that a physical address is needed but my ID only has a PO box . Endless circle to nowhere. 
My only other Credit Card has an available limit of over 20K so I think I have sufficient good credit history ... 
Goldman Sachs and XXXX need to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: TN

Complaint narrative:
I was charged {$280.00} incorrectly by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ). I contacted XXXX, and was able to correct the information, and was sent a letter by XXXX XXXX from the XXXX XXXX office on XX/XX/2018. He informed me this was also being sent to all 3 credit reporting agencies, and should be removed in a month 's time. It is still on all 3 credit reports, and I am unable to have it removed.

Company response to consumer: Closed with explanation