vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Hi I got a mail from CCS, MA -a Collection Agency for $ XXXX XXXX XXXX ,XXXX XXXX XXXX, XXXX , MA XXXX.It was for XXXX XXXX.I never had XXXX service under my name.Hence called the agency and explained about the wrong tagging.They accepted that it is wrong tagging as the SSN differs.Informed that they will remove.But they have reported to credit unions and I am now seeing my credit score down for about 59 points.I am about to get a Mortgage loan for my house and I have been denied because of this issue which I am no way related. I seriously wanted some solution from the CCS immediately and they need to answer the missed opportunity of mine. 
I am really stressed as I maintained a high score of XXXX and just this misrepresentation has put me in a deep trouble. 
-XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have had a personal American Express and a Business American Express ( OPEN ) since XX/XX/XXXX. This complaint is about the Business American Express. I used the OPEN for my XXXX as revolving cash for several years. I had balances over {$50000.00} at times. In XX/XX/XXXX, the balance was over {$25000.00}. By XX/XX/XXXX, the balance had dropped to under {$1000.00}. In XX/XX/XXXX, American Express notified me that they were cancelling my " pay as you go '' ( revolving ) and lowering my limit immediately. They claimed it was due to negative credit on my credit report. However, this was not true. 
There was no negative credit and my credit score was consistent. In fact, I refinanced a {$180000.00} mortgage in XX/XX/XXXX with no problem. 

We had just opened a big project and this immediately paying off a big balance ( about {$25000.00} ) was problematic. I called American Express and they suggested that I go on a payment plan. When the payment plan was complete, my card would be good to continue use. I agreed. I made 100 % of the payments on time during the payment plan. However, American Express cancelled the card during the payment plan. 

When the payment plan was complete, American Express demanded the remaining balance of about {$7200.00}. I had not idea this was coming. American Express had unilaterally reduced the credit line, unilaterally cancelled the card, and unlaterally called it due to no reason. I asked to simply continuing paying the $ XXXX/month and the balance would be retired in 9 months. They said NO. I wrote a letter to the president of the American Express. The executive office called me and told me there would do NOTHING to help. 

Note that I had ALWAYS made payments as agreed on the both cards ; there was NO problem with my credit. I simply want to retire the debt and move on. 

Since then, I have received harassing calls from American Express. American Express employee, XXXX XXXX, threatened to turn over the account to outside collections. XXXX XXXX is going to call the personal account fully due and turn it over to collections as well. He promised to " ruin my credit ''. Note that both the personal card and the business card have been paid as agreed always. This seems completely unnecessary. I am willing to pay. I just need a few months. 

I have had relationships with many mortgage companies and other credit cards for over 25 years and have maintained perfect credit. 

American Express purposefully ruining my credit is highly damaging to our real estate business as we are dependent on credit to purchase properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have 5 credit cards with Chase and have been a customer of theirs for 10 years. They recently closed all my cards at once. I called them and they refused to tell me why. I also have checking and savings accounts with them, and am concerned that if they close those my direct deposit or mortgage could be affected. I am very frustrated by this sudden issue and the lack of and refusal of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I was a customer of XXXX XXXX XXXX wireless for over SEVEN YEARS, and I paid my bills ALWAYS. However, I DID NOT RECEIVE any wireless services from XXXX XXXX XXXX for the five months or so ( i.e. XX/XX/XXXX-XX/XX/XXXX ) because there were technical problems with my receiving the wireless services that I was being billed monthly for. I lodged NUMEROUS COMPLAINTS with XXXX XXXX XXXX in-store Managers, who in turn, contacted XXXX XXXX XXXX Tecnical Support Services on my behalf to rectify the problem, but no avail. 

Also, XXXX XXXX XXXX REFUSED yo replace or REPEATEDLY put up barriers to replacing my XXXX XXXX even though I had been duly paying for the Insurance Cover/ Premium every month. This would have enabled me to receive the wireless services that I was being billed for, if the problem had been with the XXXX itself. This went on for several months. As a result, I had no option but to CLOSE THE ACCOUNT in XX/XX/XXXX-by switching over to XXXX XXXX XXXX. And I have been paying monthly ever since. Just like I paid my monthly bills with XXXX XXXX XXXX Wirelessly for over SEVEN YEARS!!! 

Against this backdrop, I believe that XXXX XXXX XXXX 's Bill for sum of XXXX XXXX is UNLAWFUL and is a retaliation against me for exercising my legitimate right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I 've asked XXXX to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which XXXX must have on file and received nothing to day. Last correspondence stated XXXX will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at XXXX request reached out to Debtor citing " Debt Collection Practice Act '', Section XXXX, and as of today never received a response. Which bring to question XXXX XXXX verification process. Information has been duplicated with same account number with different variations of Debtor company name.

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 2017-12-03 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I 've asked XXXX to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which XXXX must have on file and received nothing to day. Last correspondence stated XXXX will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at XXXX  request reached out to Debtor citing " Debt Collection Practice Act '', Section 1692g, and as of today never received a response. Which bring to question XXXX 's verification process. Information has been duplicated with same account number with different variations of Debtor company name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, requested that Specialized Loan Servicing LLC provide proof of this debt by showing my proof of the note in a letter dated XX/XX/2017. SLS LLC stated in their document to me that they were only the service provider of this note in letter dated XX/XX/2017 signed by XXXX IDXXXX. I told them that this violated my original contract. TXXXX XXXX XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX XXXX as successor Indenture trustee to XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, Series XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX is listed on their letter as the current creditor. SLS has admitted that they are not the owner! I DEMAND SLS LLC show my original note that I signed within 5 business days of receipt of FULLY REFUND all of my payments, interest and fees to the account on file with XXXX XXXX ending in XXXX. Afterwards, release my lien and all closing documents to the address listed on file.

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 2017-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: HI

Complaint narrative:
SLS Account # XXXX My loan was recently transferred to SLS from XXXX as of XX/XX/XXXX When I received the notice ( received the date the note payment was due ) SLS said there was a payment past due, and the loan was one month in arrears. ( no sure notice came form XXXX previous to this ) I called and asked them what month, and at 1st she said XX/XX/XXXX .. I provided her with the Canceled check number for the XX/XX/XXXX payment, and her response was " well, I do n't know then, our records only go back to XX/XX/XXXX ; it must have been before that then '' I recently came out of a 5 year Chap XXXX BK which was satisfied and discharged in XX/XX/XXXX ; this would mean all payments were satisfied and the accounts current. 
I missed no payments during the 5 years nor since the discharge. SLS could care less and worse are unwilling to even review the case ... My payment is approx. {$3300.00} and I mailed my XX/XX/XXXX check for {$4000.00} requesting the additional to principle.. they cashed the check and their new XX/XX/XXXX statement said I am 2 months behind YIKES this is SCARY ... What are they doing with my money??. It is impossible to reach anyone there for a intelligent discussion. I requested 5 years of payment history from the previous servicer, XXXX and have this to send to SLS ... But, no idea where to send it ; How is it legal that there is no accounting and they can just say " you are behind but we have not idea when '' even though the courts and XXXX ageed the account was in full compliance? can someone call me please.

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 2017-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To whom it may concern : This complaint is in regards to a promotional offer for an Starwood Card offered by American Express. An offer was sent to me in XX/XX/XXXX that I qualified for that would allow me to receive XXXX Starwood Preferred Guest  ( SPG ) points for {$1000.00} spending for each authorized user I add to my personal card account, up to four, for a maximum of XXXX SPG  points potentially awarded, starting in XXXX of this year. 

I added my wife, my father and mother, and my sister to this card in XX/XX/XXXX, and met the appropriate spending to each card inXX/XX/XXXX. I however only received the bonus for my wife, and not the bonuses for my father, mother or my sister 's authorized card use. 

I have contacted American Express on four separate occasions ; three times using the online agent feature in XXXX through XXXX, last onXX/XX/XXXX, and once by telephone XX/XX/XXXX. After my second online agent discussion, I was told my concerns would be forwarded to their " rewards team '' After today 's online and telephone discussion, I was again told that my concerns will be forwarded for investigation. No timeline was given other than weeks. 

I have met the terms and conditions for this offer - I do n't think any agent has expressed to me otherwise that I have not. I expressed concerns that previous promises of escalation and investigation have not lead to results. I have not received any direct correspondence about any investigation from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: GA

Complaint narrative:
On several occasions I have disputed the XXXX XXXX XXXX account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. Experian deleted this account in XX/XX/XXXX. This account has reappeared on my credit report XX/XX/XXXX. I disputed this account with XXXX XXXX and they have responded with the following : XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company responded Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX deleted the tradelines for the account in question in XX/XX/XXXX. XXXX reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, Experian, & XXXX. XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, XXXX will submit a second " XXXX '' ( XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal. 

I submitted the above information to Experian on XX/XX/XXXX. On XX/XX/XXXX Experian responded stating At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 

It is extremely hard for me to believe that XXXX XXXX is continuing to verify inaccurate information that continues to tarnish my credit file.I also find it hard to understand how Experian has verified this as accurate if per XXXX XXXX this is to be deleted. This back and forth has been going on for over months.

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 2017-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
I intiated an inquiry with my mortgage company Nationstar regarding FHA loan assumption. XX/XX/XXXX, I found a qualified buyer that completed necessary paperwork only to find out that they could not produce current resident payment history required to complete the loan process. 
Buyers entered a rental agreement to create a payment history to satisfy Nationstar requirement. 
XX/XX/XXXX resumed loan assumption process. At this time I was told my FHA mortgage is not assumable, therefore refused to contact buyer, and process request for loan assumption. After 2 phone conversations with the Assumptions research associate she agreed to go along with the loan assumption process on XX/XX/XXXX. She contacted the buyer to inform them they would receive a phone call from the sales department in 7-10 days for credit application. On XX/XX/XXXX buyers sent email inquiry to Nationstar no phone call from sales department was told would be looked into. Still no phone call as of XX/XX/XXXX I forwarded email inquiry threating to file complaint with CFPB this intiated a phone call from the sales department to the buyer on XX/XX/XXXX the credit application was completed. XX/XX/XXXX the buyer was sent a letter indicating they needed XXXX FICO score, the buyer had XXXX and loan appumptipon denied by assumption manager. The problem is FHA only requires XXXX. Nationstar hedged on paperwork and phone calls, taking 3 months to start the process. The assumption Manager told the buyer the process would be quicker and easier to go thru new loan application. The buyer is currently eligible to assume the mortgage provided Nationstar dba Mr Cooper is willing to follow FHA guidelines for processing loan assumption. The buyer and myself was told the process would take 6 months after credit score qualification. It has been 5 months trying to go through a simple loan assumption.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
On several occasions I have disputed the XXXX XXXX XXXX account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. XXXX deleted this account in XX/XX/XXXX. This account has reappeared on my credit report XX/XX/XXXX. I disputed this account with JH Portfolio and they have responded with the following : XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company responded Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as JH Portfolio Debt Equities , LLC 's ( " JH '' ) response to same. As stated in our response for case # XXXX, JH deleted the tradelines for the account in question in XX/XX/XXXX. JH reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, XXXX, & XXXX. JH utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, JH will submit a second " XXXX '' ( XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal. 

I submitted the above information to XXXX on XX/XX/XXXX.  On XX/XX/XXXX XXXX responded stating At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 

It is extremely hard for me to believe that XXXX XXXX is continuing to verify inaccurate information that continues to tarnish my credit file.I also find it hard to understand how XXXX has verified this as accurate if per XXXX XXXX this is to be deleted. This back and forth has been going on for over months.

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 2017-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I want my lander to remove PMI from my mortgage, I already sent a written request to the lander but they dined.

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 2017-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am currently in the process of purchasing a Home and with that my credit reports were pulled. XXXX ask me if I had any negative accounts and of course my answer is no because I make on time payments. But when I reviewed my reports they show that I have one account that is negatively reported. I scroll to see what account it is and it says USAA. BUT HERE 'S THE TURN I HAVE A XXXX BALANCE ON THE CARD. So, why would it be showing on my file in the negatives. Status showed as account just being open. So, I sent a message to USAA to inquire about this issue. The response back was that I had a late payment back in 2015. But I also have records that I never received a statement for that month or previous. As it shows on my credit report as well because USAA is known to pick and choose each month rather you will have a statement and payment due or not. I only received a letter once payment was considered late. 

I reached out and asked them to update and correct this because my account is not in the negative and I hold no balance as well as out of the years I have been with them they have never given me a increase if though I always paid my balance off on time when they actually sent me a statement. 

Now moving forward to last month they did update the status but they also updated as being a delinquent account so it has made my score drop as it was updated as paid as agreed but delinquent by 30 days. I asked that this be removed. I have not received a response from them. This old incorrect information has made my score drop drastically and has caused for a stop in my home purchasing process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation