vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NATIONAL ASSET MORTGAGE, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I was served with a summons to respond to a complaint for forfeiture from XXXX XXXX XXXX XXXX ( Case number XXXX ). XXXX claims that I owe over {$15000.00} for entering into a land contract that has become delinquent due to non payment. 

I have never had any communication with this company. They included a paper trail of quit claim deeds that show how they came to hold the debt, but none of the companies save the first lender has ever made contact with me. I was not notified of the debt being purchased by XXXX XXXX XXXX XXXX, so I had no chance to remedy any default until this notice calling for forfeiture. 

In XX/XX/XXXX, I entered into a contract with National Asset Mortgage LLC. I was notified in XX/XX/XXXX that the loan would be serviced by a different company, XXXX XXXX XXXX. I would continue to pay the same amount monthly, but I needed to send the payments to the new address. I continued to pay XXXX XXXX XXXX about {$370.00} per month to satisfy the conditions of the contract. 

After being served with the summons, I contacted XXXX XXXX XXXX to ask where my payments were going because every check I had sent had been cashed. I was not given any assistance beyond the fact that my debt had indeed been sold to a different company and I would need to contact XXXX to discuss the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: MI

Complaint narrative:
I have been the victim of identity theft and somehow someone has got a vehicle in my name. The account is : 1. XXXX XXXX # XXXX I first notices it few months ago that I had a vehicle and a recent 30 day late payment. 

This account was not opened by me and I have included my ftc id theft report.

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 2019-03-09 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: MI

Complaint narrative:
I have been the victim of identity theft and somehow someone has got a vehicle in my name. The account is : 1. XXXX XXXX # XXXX I first notices it few months ago that I had a vehicle and a recent 30 day late payment. 

This account was not opened by me and I have included my ftc id theft report.

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 2019-03-09 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : Account # : Date Open : Balance : Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$4100.00} Company : XXXX XXXX XXXXXXXX Account # :XXXX Date Open:XXXX Balance : {$1500.00} Company : XXXX Account # :XXXX Date Open:XXXX Balance : {$3700.00} Company : XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$16000.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$960.00} Company : XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX XXXX # : XXXX Date Open:XXXX Balance : {$5200.00}

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 explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc
State: TX

Complaint narrative:
I don't know anything about this debt, I've never heard of the original creditor XXXX XXXX I've tried to dispute the item on my credit report and I haven't heard anything back from XXXX XXXX nor Collection Bureau of FWB.

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 2019-03-09 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : Account # : Date Open : Balance : Company : XXXX XXXX XXXX Account # XXXX Date XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Balance : {$1500.00} Company : XXXX Account # XXXX Date XXXX Balance : {$3700.00} Company : XXXX XXXX Account # XXXX Date XXXX Balance : {$16000.00} Company : XXXX XXXX XXXX Account # XXXX Date XXXX Balance : {$960.00} Company : XXXX XXXX Account XXXX XXXX Date XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX Account # : XXXX Date XXXX Balance : {$5200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : Account # : Date Open : Balance : Company : XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4100.00} Company : XXXX XXXX  XXXX Account XXXX XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$3700.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$16000.00} Company : XXXX XXXX XXXX  Account # XXXX Date Open:XX/XX/XXXX Balance : {$960.00} Company : XXXX XXXX Account XXXX XXXX Date Open:XX/XX/XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX XXXXt # : XXXX Date Open:XX/XX/XXXX Balance : {$5200.00}

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 explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: TX

Complaint narrative:
I don't know anything about this debt, I've never heard of the original creditor PLUSFOUR INC I've tried to dispute the item on my credit report and I haven't heard anything back from PLUSFOUR INC nor XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
Collection Agency - XXXX XXXX XXXX XXXX Original Creditor - XXXX XXXX Hospital Date : XX/XX/2013 Amount : {$720.00} In XX/XX/2013 this medical bill was included in bankruptcy I have sent paperwork to the Original creditor with no response over the years. 

" The Credit Bureau failed to provide me with a proper investigation. Under section 611 ( 5 ) ( A ) of the FCRA - you are required to '' Promptly Delete all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Company : XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX XXXXXXXX XXXX XXXX Account # : XXXX Date Open:XXXX Balance : {$2300.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XXXX Balance : {$13000.00} Company : XXXX XXXX XXXXXXXX Account # :XXXX Date Open:XXXX Balance : {$4000.00} Company : XXXX XXXX XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$6100.00} Company : XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$1100.00}

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 explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I received a bonus check from work XX/XX/2013 for {$280.00}. Right after I opened the check I received a phone call from the collection agency stating that they would settle right now with a money order for the amount of {$280.00}. I went to the Bank, cashed the check, went to the Post Office and mailed it to them that same day. It was paid and has not been on my credit report. Since then I have purchased two properties and two vehicles and have a credit score of close to 800. 

This is ridiculous for this matter that has been paid 5 years ago to come up again after I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: GA

Complaint narrative:
I requested that the company provide me method of verification of items that are on my credit report. As of XX/XX/2019 there are 2 items listed on my report they refuse to provide this information. They Said on XX/XX/2019, I think they are confuse with what I am asking, so I will quote what FCRA, Section 609 a ( 2 ) requires credit reporting agencies to disclose the source of the information being reported or delete it. In reference to the 1 bankruptcies listed on my report they said they got public information fromfederal bankruptcy court. this a problem, because the bankruptcy court says that they do not provide information to Agencies directly. They said that they do not have any records of them contacting them and public records can be access on many applications and they can be inaccurate. The court made clear they do not report to credit reporting agencies. FCRA, Section611, paragraph ( 6 ) ( B ) iii regarding procedures and investigating states if requested by consumer, a description of the procedure used to determine the accuracy and completeness of information must be provided to the consumer by the reporting agency, this include business name and address of any furnisher. As of XX/XX/2019 the company has not done so. With XXXX XXXX XXXX I needed them to provide me with method of verification and they failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: CA

Complaint narrative:
Ameritech Financial bought my student loans from XXXX, XXXX, XXXX, XXXX, and XXXX XXXX in XX/XX/XXXX. I made payments each month until XX/XX/XXXX. At that point, I received a letter from the Federal Trade Commission that my payments to Ameritech were not paid towards my student loans, but in fact stolen. There is a lawsuit pending, and I am concerned about getting my money paid correctly toward my student loans.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-10 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Company : XXXX XXXX Account # : XXXXXXXX  Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX XXXX XXXX  XXXX Account XXXX : XXXXXXXX Date Open:XX/XX/XXXX Balance : {$2300.00} Company : XXXX XXXX XXXX  XXXX Account # : XXXXXXXX Date Open:XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX Account # :XXXXXXXX Date Open:XX/XX/XXXX Balance : {$4000.00} Company : XXXX XXXX XXXX XXXX Account # :XXXXXXXX   Date Open:XXXX Balance : {$1100.00} Company : XXXX/XXXX XXXX Account # :601918XXXX Date Open:XX/XX/XXXX Balance : {$6100.00} Company : XXXX   XXXX Account # :XXXXXXXX Date Open:XX/XX/XXXX Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10 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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Company : XXXX XXXX   Account # : XXXX Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX   XXXX XXXX XXXX  Account # : XXXX Date Open:XX/XX/XXXX Balance : {$2300.00} Company : XXXX  XXXX XXXX XXXX Account # : XXXX  Date Open:XX/XX/XXXX Balance : {$13000.00} Company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # :XX/XX/XXXX Date Open:XX/XX/XXXX Balance : {$4000.00} Company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # :XX/XX/XXXX Date Open:XX/XX/XXXXBalance : {$1100.00} Company : XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX Account # :XX/XX/XXXXDate OpenXX/XX/XXXX Balance : {$6100.00} Company : XX/XX/XXXXXX/XX/XXXX Account # :XX/XX/XXXX Date Open:XX/XX/XXXX Balance : {$1100.00}

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 explanation
Consumer complaint received 2019-03-10 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: AZ

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I was not told that interest would capitalize on my loans with XXXX XXXX XXXX when I was in forbearance in XXXX. I was in the process of trying to enroll in IBR and instead directed into forbearance as a better option. I recently looked at my records and there are multiple charges of interest capitalization totaling over {$65000.00} between XXXX and XXXX. At the time I was in XXXX   and thought that it was just the interest from XXXX school  capitalizing, but looking back at the account now, something is suspicious and I see at least {$65000.00} of interest that capitalized between XXXX that doesn't make sense on their paperwork and seems excessive. There is {$28000.00} of interest that capitalized in XX/XX/XXXX when my grace period from XXXX school  ended which makes no sense since the interest was already capitalized on earlier statements and I was not even in forbearance. It happened again when I was in forbearance but again, I was not told that the interest would capitalize when in forbearance, just that it would accrue. 

Also, I have made payments in the past year to completely wipe out certain loans and then the next month there was nearly {$1000.00} back on the account. When I try to resolve with the company they always have an explanation, but not one that really makes good sense. 

I just thought I had overlooked something, but now I have heard that they are making errors like this and have been looking into my account and find it almost impossible use their system to understand my loan balances and how the balances are being calculated. I feel very uncomfortable, similar to when I had a property manager who turned out to be stealing from me by using a rigged spreadsheet to calculate my revenue. 

I have a significant amount of student loan debt from XXXX  school ( {$260000.00} borrowed initially ) however over {$200000.00} in interest has accrued since I have been in XXXX. It just doesn't make sense that {$65000.00} worth of interest could accrue within the first two years and then be capitalized without me being told this would happen. If this is an error the interest that has been charged on these amount will need to be recalculated as well because I should not have to may interest on principle that was improperly capitalized interest. 

The amounts they report that I have paid in total so far also continues to fluctuate and seems to be wildly inaccurate on some of their spreadsheets and account statements. There is not good information and easily accessed information on the website. It is very difficult to make sense of how they are keeping track of the principle and interest. 

Something is wrong and I need to get it cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Amex is holding my amount of credit, which Im in my 50s, against an additional card holder on my account, who is in there 20s, She was nvr approved for tht credit amount nor shld it be held against her but it is!! That should not be legal - I hv my child as an additional card holder under my account w a credit limit of {$1000.00}. Yet under credit reporting thy r holding my avail credit amount of {$30000.00} against her even though she ws never approved for that amount of credit. She was denied a loan because of it - CC companies should NOT allowed to hold the credit amount of the main card holder against add card holders for credit reporting reasons!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: AZ

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: AZ

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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