vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I was at work when my bank notified me that a {$9200.00} hold had legally been placed on my joint account with my wife. I went to the branch and they said a law firm had gotten a judgement against me and placed the hold, at which time the branch found out the firms name and number for me. I called XXXX XXXX XXXX and they said they had a judgement again me from XX/XX/XXXX for a company called XXXX XXXX, who originally bought the debt from XXXX XXXX XXXX. They say I owe for a credit card through XXXX from XX/XX/XXXX or XX/XX/XXXX, got a different answer when I called back a few hours later, for an amount of {$4800.00}. The account number they gave me doesn't even match the information I have from that time because I have credit reports from when I bought a house through XXXX   in XX/XX/XXXX. Unfortunately I went into foreclosure in XX/XX/XXXXdue to the financial collapse and have lost all credit since then. I have no idea what this account is that they're talking about nor do I remember EVER having a credit card with that high of a limit. Even when I had a XXXX score my largest card was only around a {$2000.00} limit. These accounts have been closed for years, I have never received any mail, certified or not, or any notice of some sort of judgement. As of today my account is - {$9200.00} with a legal hold on it, I can't buy food for my family, pay bills or even get gas to go to work. My wife and I are financially lock out and can't pay any family bills or anything, we only made a combined income of {$30000.00} last year with XXXX kids to feed, how is this legal. 
I am sending a copy of the credit report from XX/XX/XXXX that has a XXXX credit card on it with a balance of only {$1400.00} and ends in XXXX. They said the account I owed for ends in XXXX, but is not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX i received a alert of my TU that XXXX XXXX pulled my report, i did not authorize this and no where on their checking application was their a disclaimer that they would hard pull my report this companies practices are very unethical and have hurt me by dropping my credit score and that will affect my interest rates, no one at XXXX XXXX is willing to help and the customer service is the worst i have encountered in my XXXX  years of life, there are no words i can think of to appropriately use to express my anger with 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 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
checking my credit report, i noticed a debt in collections. it says it originated with XXXX  XXXX XXXX, in XX/XX/XXXX. i was a customer of theirs, at that time. i cancelled the policy, WITHOUT ANY OUTSTANDING DEBTS. i contacted XXXX   XXXX first about this debt. they have no record of it. i am still a customer of theIrs and they have never tried to collect on it. 
i contacted the collection agency, XXXX XXXX XXXX, they can not or will not tell me what the debt is for. 
i will not pay a debt that no one can tell me what its for. THE AMOUNT IN QUESTION IS FOR XXXX $ i challenged this debt with XXXX. on XX/XX/XXXX.they investigated, and on XX/XX/XXXX completed that investigation. they can not give me an answer either.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or around XX/XX/XXXX, I took out a first mortgage loan from Washington Mutual ( WAMU ) to pay off then existing first mortgage from XX/XX/XXXXXXXX XXXX. On or around XX/XX/XXXX, I received an unsolicited offer from Washington Mutual stating that I was eligible for a {$250.00}, 000 Home Equity Line of Credit ( HELOC ) and that the interest rate on the HELOC would be Prime Rate less 0.250 % for ( already ) having fist mortgage with WAMU and with an additional discount of 0.250 % for maintaining a minimum balance of {$50000.00} in the HELOC account. On or around XX/XX/XXXX, I entered into a written agreement with WAMU on the above basis for HELOC. Within days of signing the HELOC agreement, my HELOC balance was over {$80000.00}. Which, per the signed HELOC agreement, entitled me to 0.500 % discount below the Prime Rate ( 0.250 % for First Mortgage relationship plus 0.250 % for over {$50000.00} balance in the HELOC account ) Payments to my First Mortgage and HELOC were automatically and electronically withdrawn from my checking account each month by WAMU. 
During XXXX, when I was looking to refinance my first mortgage and HELOC, I noticed that my HELOC interest discount was only 0.250 % and not 0.500 % as per our agreement. Upon checking my past records and assistance from Chase XXXX XXXX CA office, it was discovered that within few months of signing HELOC agreement WAMU had reduced the interest discount to 0.250 %. When I asked Chase Bank, the inheritor of my mortgages from WAMU, why was the interest discount reduced? They told me that the reduction was done because of change in first mortgage. When I asked that why and who made the changes to the first mortgage ( I did not ) I was told Chase do not have any records of it because it was more than seven years ago. When I asserted that the loans were not paid off until about XX/XX/XXXX ( little over a year ago ) and that, strangely enough, Chase has kept and furnished me with monthly statements going back to XX/XX/XXXX, why can't Chase give the details of the change. I was told that that's all Chase can do and that I should contact CFPB. 
This is a classic bait-and-switch tactic by WAMU and blatant and perhaps intentional violation of a written agreement. Now Chase is conveniently hiding behind " Don't have the Records '' explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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 was XXXX  for five years. I was released XX/XX/XXXX from XXXX XXXX XXXX. I ran my credit and I have no knowledge of these accounts, nor did I give anyone access to any of my personal information while gone. I also filed a police report because of this issue. I also uploaded all proof of police report and proof of my XXXX. Below is the accounts. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Transunion XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account Collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX ) XXXX Status : Charged off as bad debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Status- Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX Orignal XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO

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 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: VA

Complaint narrative:
I recently received notice from my human resources department, that a company named Velocity Investments LCC is trying to garnish my wages. Prior to this garnishment notice, I have never heard of this company. This garnishment attempt is a violation of my federal rights under the Fair Debt Collection Practices Act. A creditor can not attempt to collect a debt without first providing notice of said debt, and giving them a right to dispute it. 

Also, I believe they are violating my rights under Virginia state law. The statute of limitations to collect a debt in the state of Virginia is 6 years. I have access to my credit report with all three credit bureaus. I do not see anything on my report from Velocity Investments , LLC ; not even in my public records section. So this debt is well over 7 years old, and has already aged off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
XX/XX/2018 I received a text message from Nelnet ( XXXX ) XXXX ) stating my loan was in default. This is not Nelnets phone number nor is the number to contact them back at ( XXXX ). I called the phone number where I told them my social security, date of birth, name. They then told me my loan was fine but if I knew someone by a different name that may be listed under my account. I have reported this issue to both Nelnet and the department of education along with re obtaining my XXXX account to watch for fraud or identity theft. I am unsure what else I need to do or report to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Finance
State: OH

Complaint narrative:
I applied for a loan of {$400.00} on line on XX/XX/XXXX. They approved me and I was under the impression that the loan would be paid back in 4 payments. My monthly payment amount was {$250.00} and was done by automatic withdraw on the 4th Wednesday of every month. I am on Social Security XXXX  and that is when I get paid. In XX/XX/XXXX I contacted them to confirm that my last payment would be in XX/XX/XXXX. They informed me that the payments would continue until XX/XX/XXXX.At that point I had already paid {$770.00} on a {$400.00} loan. I asked what interest rate they were charging me and I was told 650 % and I was told that was the rate I agreed to. I never agreed to pay 650 % .I thought the interest rate was either 35 % or 40 % which is still a lot but I was in a pinch. I stopped payment at my bank on XX/XX/XXXX so that no further money could be taken out of my account by them. The name of the company on the bank records is XXXX XXXX XXXX. I have received phone calls and emails from a company called XXXX XXXX and a company called XXXX demanding payment of $ XXXX.Last week XXXX  put me on hold so I could speak to a supervisor ... .I hung up after being on hold for 10 minutes. All of the people who have contacted me have foreign accents. I received an email from XXXX stating that I could send payment to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX   OR send payment to : XXXX XXXX XXXX XXXX XXXX  same address only Dept. number is XXXX instead of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: CA

Complaint narrative:
Hello, I have always been in good standing with my HESAA/XXXX loans, and I currently have two loans with them. I had made a payment on XX/XX/18 for both loans, and HESAA/XXXX applied the payment to ONE loan instead of both. So, without ANY warning, phone call, letter, email, or anything notification at all, my other loan was " delinquent '' by only {$140.00}. I quickly submitted payment when this came to light. 

However, and the bigger problem here is, that the negative on my credit report ALSO showed up on my sister 's credit report. My sister is NOT a cosigner. My mother is my cosigner. My sister  should not have any involvement with my student loan or financial obligation. The funds were distributed to MY account at XXXX University, not hers. When on the HESAA/XXXX online portal, there is no mention of her name anywhere to be found to indicate her involvement with my student loan. As mentioned, my mother is my cosigner and aware of the responsibilities that come from being a cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: IN

Complaint narrative:
I sent a letter challenging inaccurate information to all 3 Credit Bureaus including the creditor listed. The challenge is on 2 XXXX XXXX accounts listed on my credit report that are both, " Charged Off ''. I've sent several challenges over the last 18 months regarding the balance being inaccurate and verification method of the dispute the last being XX/XX/XXXX. The XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$1000.00}, High Balance of {$1000.00}, Charge off amount of {$1000.00}, and past due balance of {$1000.00}. The second XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$980.00}, Charge off amount of {$980.00}, high balance of {$980.00} and past due balance of {$980.00} I received notices back from all 3 bureaus XXXX, XXXX XXXX, and Experian stating the accounts have been verified and they remain on my credit report. I've also sent several challenges to XXXX XXXX and they've responded with the they're not are what I'm challenging and to contact the Credit Bureaus but the bureaus tell me to contact XXXX XXXX for any discrepancies. Both accounts were updated by all 3 Bureaus XX/XX/XXXX with the same errors and no method of verification.

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 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brock & Scott, PLLC
State: SC

Complaint narrative:
On XX/XX/XXXX, my mortgage analyst discovered a judgment against me when he was completing title work for a new home I wanted to purchase. On the same date, I contacted XXXX XXXX  ( original creditor ) and they said the account was transferred to XXXX for collections and from there it was transferred to Brock & Scott. 

Since then I have contacted Brock & Scott at XXXX extension XXXX ( XXXX ) and extension XXXX ( XXXX ) several times and each resolution specialist informs me that my file is on hold and they are unable to discuss it with me until the hold is released. None of the resolution specialists have any definite answers as to when the hold will be released. They encourage me to keep calling the company back with hopes that the hold will be released soon. After the hold is released, the resolution specialists said I would receive a letter from Brock & Scott. They did not provide me with any details as to what the letter would contain. 
As of today, XX/XX/XXXXI have not received a letter from Brock & Scott. To resolve this issue, I would like Brock & Scott to provide me with verification of debt and the aforementioned letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage made a mistake servicing my loan, the problems were resolved, Freedom mortgage admitted that they made an error servicing my loan but in the process they negatively marked my credit history. Calling them, sending them the requested documents has not resolved the issue of the credit damage. They have refused to remove the mark on my perfect credit history.This effects my clearance for my government contracts, and also my financial future

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 2018-05-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, including their internal file number, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XX/XX/XXXX and XXXX   have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XX/XX/XXXXunauthorized

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 2018-05-07 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 was XXXX  for five years. I was released XX/XX/XXXX from XXXX XXXX XXXX I ran my credit and I have no knowledge of these accounts, nor did I give anyone access to any of my personal information while gone. I also filed a police report because of this issue. I also uploaded all proof of police report and proof of my XXXX. Below is the accounts. 


Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY XXXX GRANTOR Transunion XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account Collections Capital XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX ) XXXX Status : Charged off as bad debt Experian XXXX XXXX CO XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Status- Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX Orignal XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX opened XX/XX/XXXX Account status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLY, XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO

Company response to consumer: Closed with explanation