vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX   XXXX   (   XXXX   XXXX     )  Executor of the Estate of  XXXX   XXXX   XXXX  has engaged  XXXX   XXXX  of   XXXX   XXXX   XXXX   XXXX  , as her official housing counselor to submit this complaint on her behalf.     XXXX   XXXX   refinance with  Chase Manhattan w ho secure an instrument on her property located at  XXXX   XXXX   XXXX   XXXX   XXXX  in the amount of {$60000.00} on  XXXX .  Chase Home Finance LLC ( CHASE )  allegedly became either server or trustee, unfortunate we can not identify which posi tion Chase had t itle because there were no filing or recorded assignment of mortgage on file. We declare that a foreclosure was file on  XX/XX/XXXX  b y Chase Manhattan.   During this time,   XXXX   XXXX   was actively making her mortgage payments while the foreclosure was proceeding. Her monthly payments starting from  XXXX  until  XXXX  which means that she was current. During the foreclosure,  Chase Manhatta n filed a fraudulent assignment of mortgage to the  XXXX   XXXX   XXXX   XXXX .  Chase Manhattan  merged with  JP Morgan Chase  after they were shut down in   XXXX   XXXX  . They intentionally proceed with this illegal foreclosure transaction under  Chase Manhattan.  A judicial deed was recorded  XX/XX/XXXX  address to  XXXX   XXXX   XXXX   XXXX  stating that  JP Morgan Chase  convey to    XXXX   XXXX  . Once again there are on recorded documents claiming any of the stated mortgagee name as owners of said property. After the closing of  Chase Manhattan  failure in  XXXX  there were never any Assignment of Mortgage recorded conveying the property.   XXXX   XXXX   has challenged the courts informing them that she was making her mortgage payments and could not understand why she was in foreclosure she had no idea where her payments where been applied. She has contact all the government agency to inform them of this intentionally fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: HONOR FINANCE, LLC
State: IN

Complaint narrative:
I have disputed the balance with   XXXX   and Honor  Finance s everal times. My balance for a vehicle that was included in bankruptcy is still showing as  XXXX . My balance should be {$0.00} due to discharge of a bankruptcy where the the balance of this vehicle was included. I am requesting them to update this amount to {$0.00} immediately it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: MRS BPO, LLC
State: AL

Complaint narrative:
New collections on report. The accounts were previously listed as closed and no missed payments. Do n't understand how they now can be listed as a collection. I paid a law office to handle my creditcard and private student loans.

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 2017-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I have been payin g American Education Services f or my student loan for a little ove r 10 yr s. Original loan amount was abo ut 52k an d  after 10 plus yrs of payment, it is now  XXXX . My loan details says that I have paid over 20k in interest. How is this possible?!?!?! I have never been late and made early payments but yet I still owe  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed several items on my credit report. I sent an initial correspondence disputing several items. I received a response from the credit bureau stating that they verified some of the items I had disputed. I replied with another correspondence requesting the specific method of verification. The credit bureau  ( EXPERIAN ) re plied to my correspondence stating that my letter was not legible. I 'm not sure how that could be when the letter was typewritten just like my previous correspondences. I would like to know what certified documents were reviewed to conclude your investigation? Please provide a complete copy of all of the information that was transmitted to the data furnisher as a part of the investigation as required by the Fair Credit Reporting Act : Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke with the creditor? What is the position of your employee that spoke with the creditor?   My name and reputation are at stake and this reporting has caused great financial distress. I need the bureau to provide the above information, so I can conduct my own   investigation and verification process with the alleged creditors.
Below are the items I disputed and requested the above referenced information for, so that I may c  onduct my own investigation.     1.   XXXX   XXXX   XXXX  , truncated account #  XXXX  on credit report, reported balance {$1000.00}  2.    XXXX   XXXX   XXXX  , reported balance {$9400.00}, partial account number (  XXXX  )  3.   XXXX , truncated account number  XXXX , reported balance {$2200.00}.   4.  XXXX , truncated account number  XXXX , reported balance {$1500.00}

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 2017-05-04 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: IN

Complaint narrative:
I have disputed the balance with Transunion and   XXXX   XXXX   several times. My balance for a vehicle that was included in bankruptcy is still showing as  XXXX . My balance should be {$0.00} due to discharge of a bankruptcy where the the balance of this vehicle was included. I am requesting them to update this amount to {$0.00} immediately it is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I have a a unverified account from  PORFOLIO RECOVERY ASSOCIATES  #  XXXX  .I ha d previously disputed this account. I have never done business wit h PORFOLIO RECOVERY ASSOCIATES.    Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I dispute the validity of the debt purport Iowe. I request that PORFOLIO RECOVERY ASSOCIATES Provide verification of the following : 1. ) The original Application or contractany signatured documents  legally binding   XXXX   XXXX   to do business with said company.   2. ) Any and all statements allegedly related to this debt  3. ) P roof of Claim and Full   Contract Agreement with Original Creditor.
4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. )   An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORFOLIO RECOVERY ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ,  XXXX   XXXX , &  XXXX   XXXX   XXXX , all nasty companies were warned and advised to cease and desist all collection efforts pertaining to this account that they have begin reporting on my credit file. I am a victim of identity theft, my mother  XXXX   XXXX  and a number of other individuals whom she and my step father sold my personal information to opened this account in my name. This company has no signatures from myself signing this lease, and also has been told even if the docuets were true, the amount according to what they stated were incorrect, and the company or creditor that this company is collecting for committed identity theft on numerous occasions, even after I notified them that I was a victim of identity theft. This company tried to create a false billing statement in my name and attempted to file it in court. Attached is my Federal Affidavit of identity theft and this company is named as well. I requested this company discontinue trying to collect on this debt as it is a result of identity theft. They have none of my signatures verifying or validating a legal contract, and the amount is also extremely questionable. I was even told to sue when this company refused to stop trying to commit identity theft in my name. I have taken this information to the police and also the FBI at which time the company ceased for a while and nothing was heard from them. They then reappeared by placing the account in a collection agency at which time, I notifyed that company of the identity theft and that my mother committed it against me. I sent them the same federal affidavits that you have on file, and they sent a generic lease agreement with electronic signatures as opposed to my actual signature. So they conducted the identity theft via computer. My mother should have never placed my name on this lease. It is  XXXX   XXXX  's debt and not mine.

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 2017-05-04 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: TX

Complaint narrative:
XXXX ,   XXXX   XXXX  , &   XXXX   XXXX   XXXX  , all nasty companies were warned and advised to cease and desist all collection efforts pertaining to this account that they have begin reporting on my credit file. I am a victim of identity theft, my mother   XXXX   XXXX   and a number of other individuals whom she and my step father sold my personal information to opened this account in my name. This company has no signatures from myself signing this lease, and also has been told even if the docuets were true, the amount according to what they stated were incorrect, and the company or creditor that this company is collecting for committed identity theft on numerous occasions, even after I notified them that I was a victim of identity theft. This company tried to create a false billing statement in my name and attempted to file it in court. Attached is my Federal Affidavit of identity theft and this company is named as well. I requested this company discontinue trying to collect on this debt as it is a result of identity theft. They have none of my signatures verifying or validating a legal contract, and the amount is also extremely questionable. I was even told to sue when this company refused to stop trying to commit identity theft in my name. I have taken this information to the police and also the FBI at which time the company ceased for a while and nothing was heard from them. They then reappeared by placing the account in a collection agency at which time, I notifyed that company of the identity theft and that my mother committed it against me. I sent them the same federal affidavits that you have on file, and they sent a generic lease agreement with electronic signatures as opposed to my actual signature. So they conducted the identity theft via computer. My mother should have never placed my name on this lease. It is   XXXX   XXXX    's debt and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have student loans and they were defaulted because of a car wreck I was in. My family and I were hit by a drunk driver, resulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9  consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are   XXXX  l oans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are 3 times as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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 — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I aske d BMW to  verify the account and they still have not even afte r    XXXX certified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car for 2 weeks after purchase as I was a s upposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX ,  XXXX  and  XXXX  for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are accounts listed on my credit profile that have inaccurate information listed as well as unverified information. I sent Transunion a follow up to my initial dispute requesting that the company provide me with the method in which they verified the inaccurate information on my credit profile. My request was received and the end result was yet another investigation and no information on how the data on my credit profile was verified.

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 2017-05-04 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: United Student Aid (USA) Funds
State: FL

Complaint narrative:
I have student loans and they were defaulted because of a   XXXX   XXXX   I was in. My family and I were   XXXX   XXXX   XXXX   XXXX   XXXX  , resulting in a   XXXX   of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid 9 consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are 3 times as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: GREAT LAKES
State: FL

Complaint narrative:
I have student loans and they were defaulted because of a car wreck I was in. My family and I were   XXXX   XXXX   XXXX   XXXX   XXXX  , resulting in  a death of a family m ember.     Upon getting my life back together, I completed t he rehabilitation     program and pai d 9 consecutive payments on time for 9 mont hs. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are  3 times  as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: CA

Complaint narrative:
XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Ca  XXXX  A lliance One  Rec Mgmt  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , WA  XXXX   RE : A cct #  XXXX    XXXX   XXXX   XXXX   To whom it  may conc ern : I would like to dispute  XXXX  accounts being held in collections with  Alliance One Receivables.    The following accounts were settled in  XXXX  and are related to each other. In  XXXX , I was pulled over in   XXXX   XXXX  , CA for an expired registration and found I was driving on a suspended license. Clerk o f Court  of  XXXX   XXXX , Fl. had received notice from North Carolina, that I owed a {$50.00} late fee on a speeding violation that I was late in paying in  XXXX . In   XXXX  , North Carolina and Florida both joined th e DMV n ational registry and ordered the suspension of my California drivers license which Id had since  XXXX . My car was impounded. I had to pay {$50.00} to North Carolina and pay any and all fines associated with my drivers license in order to get my license and registration reinstated. It cost me roughly {$1200.00} in  one da y between  XXXX ,  XXXX   XXXX , and  XXXX   XXXX   XXXX  to clear my driving record, reinstate my license, and renew my registration in order to get my car out of the impound in  XXXX   XXXX . All settled and resolved in  XXXX .   In   XXXX  , I was involved in another incident and as a result had my license suspended once again. I received multiple citations that I paid to  XXXX   Superior Court  and to  DMV in order to restore my driving privilege. It was a 9 month process paying off all outstanding court fees and it again it was settled. Yet, Alliance One claims that  I have still have outstanding traffic fees still in collections dating back to   XXXX   and   XXXX  . Please note that Citation :  XXXX  is from  XXXX , besides the fact that I had a bankruptcy that was discharged in  XXXX  and having zeroed out the balance with   XXXX   XXXX    Superior Court and DMV at least  twice since  XXXX .   I am disputing the following accounts currently in collections with  Alliance One  and ask that they be removed as they were both settled in  XXXX .    Alliance One  Acct #  XXXX  Docket Number :  XXXX  violation date  XX/XX/XXXX  XXXX   XXXX   XXXX  {$910.00} Citation :  XXXX   XXXX   XXXX   Clerk of Court  {$160.00}.     Thank you,   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
I sent letters to company requesting validation of the debt on the  XXXX  accounts that they claim I owe. DirecManagement a letter stating that they did not have no responsibility in responding to my letter. When I contacted them by phone the representative threaten me about my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Service of Nevada
State: NV

Complaint narrative:
The Collection Service of Nevada is using the court system,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and local law enforcement  XXXX   XXXX   ( fi le  XXXX  ) to steal money from me. Please see attached documents -  (  paycheck stubs, etc. ) In  XXXX  Garnishment {$1500.00} -  Collection Service  reports only {$1100.00} received and is now  XXXX ,  XXXX  trying to garnish wages for same judgment in the amount of {$1600.00} - Please do something!

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