vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EULER HERMES UMA, INC.
State: AL

Complaint narrative:
I own a small restaurant that is a single member LLC. I was a COD customer for a local food company. The food company made a claim that I owe {$15000.00}. in a personal guarantee debt. I have disputed and provided documents to the local food company of payment. They have turned the debt over to a collection agency. I have communicated numerous times with the collection company and provided documentation showing their accounting errors and that the debt is not owed. I have also retained legal counsel and advised both parties. The debt collection company continue to harass me and my staff. I have advised them in writing no t to contact me and provided them with my legal counsels information and that I will follow legal advice. I have also, through my attorney, filed a suit in my home county against the food service company asking for a declarative judgement of any monies owed to them or me and for damages done to my business. The collection agency and the food service company have been served by the court these documents. The debt collection company still continues to harass me and my staff and acknowledges that they did get served but that I probably made that up. The harassment has cost me financially, and is damaging my business. It is making me sick and causing me undue stress. I have taken action to ask the court to decide if the money is owed, The harassment is non stop tying up my business and personal phone lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I received a bill from XXXX XXXX for the amount of {$420.00}. As I don't have XXXX XXXX I immediately called them and asked for a copy of the signed contract with my signature on it. They claimed they would be sending to me within 5 business days and my " account '' would be on hold for until I received it. It never came. Shocking I know. So I called again repeatedly and asked for the same information. A simple verification of the debt. I still have yet to receive this. Then on XX/XX/XXXX I receive a letter in the mail from Diversified Consultants, INC. in the amount of {$420.00} with the original creditor listed as XXXX XXXX. This is a complete outrage, and definitely against the law!! I feel sure this will end up on my credit report next month so I demand you do something about these unfair and downright illegal practices! 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I submitted a complaint in XX/XX/XXXX. I worked with Citi Mortgage and completed all needed paperwork and sent all needed forms in. I also sent {$2000.00} to start paying my loan. I sent the payment in in XX/XX/XXXX. The money was accepted and I went to the foreclosure meeting and informed the attorney ( Citi Bank attorney ) that I sent in a payment. She was very surprised. I completed all the paperwork as given in time. I spoke with XXXX XXXX XXXX and she informed me that she received all the information and that it was being processed. On XX/XX/XXXX I received the {$2000.00} check back with a letter dated XX/XX/XXXX. I also received a letter stating Citi Mortgage was selling my loan to XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX. They provided me with account number and contact information to contact them after XX/XX/XXXX. I scheduled a telephone contact with XXXX XXXX and she told me the modification was not completed and to watch my mail for information on it. I am confused if they have sold my loan how are they still working on the modification?. XXXX XXXX stated that Citi was not servicing loans anymore and it had nothing to do with my pay status. XXXX XXXX also said that she needed other paperwork after thanking me for sending in all needed paperwork with no further request from Citi Mortgage. I contacted the new agency on XX/XX/XXXX and was told they had no information of my account and that they did not know what my payments were and anything about my loan. I feel that Citi Mortgage is trying to make me loose my home. My credit rating is in the dumps and I can't help myself with this matter please help me this is my home.

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 2018-03-03 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
CHEXSYSTEMS IS A XXXX XXXX, THIER PATNERS IN CRIME HAVE ABSOLUTELY NO EVIDENCE OF A DEBT OWED OR AN INJURED PARTY, I HAVE NEVER RECEIVED A REPORT ON ANYTHING THEYRE REPORTING ON, WHICH IS A MAJOR VIOLATION OF MY RIGHTS AND A VIOLATION OF FRCPA RULES, I AM IN NO WAY OBLIGATED TO GIVE XXXX MY BIRTHDAY OR SS NUMBER EITHER, CHEXSYSTEMS USES DEFORMATORY INFORMATION ON ME WITHOUT HAVING ABSOLUTELY NO PROOF OF A DEBT OR WRONG-DOING COMMITTED BY ME,, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS

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 2018-03-03 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
CHEXSYSTEMS IS A RICO-EXTORTION RAQUET, THIER PATNERS IN CRIME HAVE ABSOLUTELY NO EVIDENCE OF A DEBT OWED OR AN INJURED PARTY, I HAVE NEVER RECEIVED A REPORT ON ANYTHING THEYRE REPORTING ON, WHICH IS A MAJOR VIOLATION OF MY RIGHTS AND A VIOLATION OF FRCPA RULES, I AM IN NO WAY OBLIGATED TO GIVE XXXX MY BIRTHDAY OR SS NUMBER EITHER, CHEXSYSTEMS USES DEFORMATORY INFORMATION ON ME WITHOUT HAVING ABSOLUTELY NO PROOF OF A DEBT OR WRONG-DOING COMMITTED BY ME,, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX XXXX, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO XXXX ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS

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 2018-03-03 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:
This is a two part complaint ... one the credit reporting agencies such as XXXX XXXX, XXXX XXXX are reporting short credit history which is not showing the positive paid off credit history that should be on record at least 7 years. Improper reporting of employment and reporting higher scores than a mortgage lender. OnXX/XX/XXXX scores reporting XXXX  XXXX, trans union XXXX, XXXX XXXX. Just after a 20 pt drop from ( XX/XX/XXXX part 2 complaint ) The mortgage company showed scores based on their scoring model as XXXX, XXXX, transunion XXXX, XXXX XXXX. I was stunned and shocked how completely different this was which you know what happens to people who are trying to buy a home. Not a very good outcome. I worked very hard with little positive information reported to my credit score ... now onto part two. Last yearXX/XX/XXXX ' created a hospital debt over medical..the remaining balance was {$1400.00}. This was sent into collectionsXX/XX/XXXX and reported to XXXX. I started making payment beginning XX/XX/XXXX to XX/XX/XXXX ( now paid off ) since I made a payment it was reported again and dropped score over 20 pts transunion reported onXX/XX/XXXX score XXXX  a few days before my wife and I were to meet a mortgage lender needless to say this was the most stressful time to watch everything fall apart.

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 2018-03-03 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: Credit Karma, LLC
State: IN

Complaint narrative:
This is a two part complaint ... one the credit reporting agencies such as credit karma, XXXX XXXX are reporting short credit history which is not showing the positive paid off credit history that should be on record at least 7 years. Improper reporting of employment and reporting higher scores than a mortgage lender. On XX/XX/XXXX scores reporting XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX. Just after a 20 pt drop from ( XX/XX/XXXX part 2 complaint ) The mortgage company showed scores based on their scoring model as XXXX, XXXX, XXXX XXXX, XXXX XXXX. I was stunned and shocked how completely different this was which you know what happens to people who are trying to buy a home. Not a very good outcome. I worked very hard with little positive information reported to my credit score ... now onto part two. Last year XX/XX/XXXX ' created a hospital debt over medical..the remaining balance was {$1400.00}. This was sent into collections XX/XX/XXXX and reported to XXXX. I started making payment beginning XX/XX/XXXXto XX/XX/XXXX ( now paid off ) since I made a payment it was reported again and dropped score over 20 pts transunion reported on XX/XX/XXXX score XXXX  a few days before my wife and I were to meet a mortgage lender needless to say this was the most stressful time to watch everything fall apart.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through Bank of America ( which we lodged a previous complaint XXXX ) wherein Bank of America constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with Bank of America was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by Bank of America to XXXX XXXX   now known as XXXX XXXX. 

I have called bank of america customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from Bank of America to 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 2018-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/18 an item showed up on my credit report that had previously been removed under a different collection agency based on a burden of proof that the debt even existed which it did not. It would appear that this debt was then sold to XXXX XXXX XXXX. These practices are highly illegal. I demand that this be removed from my report immediately.

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 2018-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA

Complaint narrative:
At the beginning of XX/XX/2018, the mortgage on my home at XXXX XXXX XXXX, XXXX, VA XXXX, which until that time was held by Sun West, was transferred to XXXX XXXX XXXX. At approximately the same time, XX/XX/2018, the premium for the insurance was due. Subsequent to this time, I was informed by XXXX that the payment had not been received ; so I paid it. Later, I received a check reimbursing me from XXXX and informing me that the premium had been paid ( by Sun West ). I have now received again a notice from XXXX that the premium is due ; and, upon inquiry, I was informed that Sun West stopped payment. 
At this time, I have again sent in the payment, which was to be paid out of escrow, for the insurance premium. Subsequent to XXXX  informing me that the premium was due, I contacted XXXX XXXX and they stated that Sun West owed it ; so, I have two mortgage companies each saying the other owes the premium. This is the second year in a row this is happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/18 an item showed up on my credit report that had previously been removed under a different collection agency based on a burden of proof that the debt even existed which it did not. It would appear that this debt was then sold to XXXX XXXX XXXX. These practices are highly illegal. I demand that this be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: VA

Complaint narrative:
On XX/XX/18 an item showed up on my credit report that had previously been removed under a different collection agency based on a burden of proof that the debt even existed which it did not. It would appear that this debt was then sold to XXXX XXXX XXXX. These practices are highly illegal. I demand that this be removed from my report immediately.

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 2018-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: VA

Complaint narrative:
Mercantile Adjustment Bureau has placed a collection on all of my credit reports in the amount of {$370.00}. I have never received any information from this company regarding the debt. I have requested information on several occasions. I believe this account to be fraudulent or otherwise made up. Please remove this item from all my reports immediately or provide a signed contract or agreement as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through XXXX XXXX XXXX ( which we lodged a previous complaint XXXX ) wherein XXXX  XXXX XXXX constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with XXXX  XXXX XXXX was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by XXXX XXXX XXXX to XXXX XXXX now known as XXXX XXXX. 

I have called XXXX XXXX XXXX customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from XXXX XXXX XXXX to 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 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through XXXX XXXX XXXX ( which we lodged a previous complaint XXXX ) wherein XXXX  XXXX XXXX constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with XXXX  XXXX XXXX was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by XXXX XXXX XXXX to XXXX XXXX now known as XXXX XXXX. 

I have called XXXX XXXX XXXX customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from XXXX  XXXX XXXX to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  XXXX XXXX is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through XXXX XXXX XXXX ( which we lodged a previous complaint XXXX ) wherein XXXX  XXXX XXXX constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with XXXX  XXXX XXXX was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by XXXX  XXXX XXXX to XXXX XXXX now known as XXXX XXXX. 

I have called XXXX XXXX XXXX customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from XXXX  XXXX XXXX to 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 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My Name is XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. Please remove the following addresses from my files I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX   XXXX XXXXL, XXXX, GA XXXX I have had issues with my information being sent to these addresses and I do not live at any of these locations. 
My current and only address is : XXXX  XXXX XXXX, XXXX, GA XXXX I Have lived here for over 5 years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: KS

Complaint narrative:
Last month ( before XX/XX/18 ) I tried to pay off a student loan I had with XXXX XXXX. After getting on the website and seeing that I had no student loans available I called their customer service department. I was told that the loan was transferred to XXXX  XXXX  XXXX and that I needed to pay it off with them. I called XXXX  XXXX XXXX on the same day and was told that it was not available in their system yet. I checked my account again today ( XX/XX/18 ) and it is still not available. During this time I am still accruing interest and I am wanting to pay the loan off. I was told it would take 10 business days. It has been 14 business days and my loan information is still unavailable. After checking the XXXX  XXXX XXXX website for complaints, I have read about people waiting up to four months for their loan to post to the website. This is unacceptable.

Company response to consumer: Closed with explanation