vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been diligently trying to obtain assistance from chase for the last 3 years. I have filed a complaint a couple of times in order to be heard and helped. Chase goes through motions and states that they are looking into it. Chase allows time to lapse and proceeds to mail out a frivolous letter of denial. I spend months after months scanning, faxing getting the run around in hopes of obtaining assistance on a poor modification that has since expired and yet the bank refuses to help, the modification itself was done out of desperate measures as Chase would not help me then unless I lapsed on my payments. Please read attached. " you are not behind on payments '', which I was forced to do in order to get help on their terms 8 years ago. I 'm in this very bad situation due to the modification and everything else that followed. Chase refuses to assist with the deferred amount. I am short about XXXX XXXX every month due to a pay deduction and no more child support. I have obtained a couple of loans since my last complaint to you in order to keep paying my mortgage. Despite my persistence to keep our home, Chase continues to demonstrate poor ethics, practices and political process measures. Something is very, very wrong when you have several people giving you erroneous information throughout the entire process ( 7 months ). The letter not only falsifies information it miss interprets information. I make XXXX XXXX a month, yet if you look at the rejection letter, Chase falsifies the amount in order to place me in another bracket! ( please see attached ). 

Yours Truly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JAMES B. NUTTER & COMPANY
State: ID

Complaint narrative:
I have paid XX/XX/XXXX 's mortgage but have been unable to pay for XX/XX/XXXX and XX/XX/XXXX does n't look good either. The problem is my credit union ( XXXX ) they charge me {$25.00} each time I am overdrawn which averages about {$250.00} to {$500.00} per month and that is the reason I have been unable to afford the mortgage,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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:
On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my XXXX  Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

US Bankruptcy Court XXXX case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: NC

Complaint narrative:
I have a payment arrangement on file with Procollect Inc, however the company refuses to give me a invoice or a receipt to confirm my payments. I received a letter in the mail from ProCollect about debt I owed from an apartment that I moved out of in XXXX 2016. I called ProCollect and spoke to XXXX XXXX XXXX at XXXX XXXX to see what was going on and she explained to me that there was an unpaid balance of {$3000.00} & {$560.00} from this apartment. I told her that I am willing to make a payment arrangement. I made a payment over the phone with my debit card in the amount of {$300.00}. I then asked XXXX XXXX for a invoice or receipt to confirm my payment and payment arrangments. XXXX XXXX raised her voice and told me that unfortuntaley ProCollect dosent not offer any recipts for confirmation of payment until the account balance is paid in full. XXXX XXXX was very rude and disrespectful and she told me to have a nice day and hangs up the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Company : XXXX Date :XX/XX/XXXX 2016 Amount :  {$480.00} This account was paid and needs to be completely removed off my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Company : XXXX Date : XXXX XXXX, 2016 Amount :  {$480.00} This account was paid and needs to be completely removed off my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company : XXXX Date : XXXX XXXX, 2016 Amount : {$480.00} This account was paid and needs to be completely removed off my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: CA

Complaint narrative:
On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my California  Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

XXXX XXXX XXXX XXXX case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: CA

Complaint narrative:
On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my California Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

US Bankruptcy Court Sacramento case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: OH

Complaint narrative:
XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/2016 for {$1000.00}. I ask Afni to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! This has been detrimental to my credit score and has kept me from obtaining credit! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/17, I noticed that was debit card was compromised. I immediately called Comerica and cancelled my card. The next day ( Monday ) I went to the bank to file a dispute. I was then told that if the dispute was approved I would receive my funds back within 10 businesses days. I also asked what am I to do seeing that all my money was compromised. They apologized and told me that I would have to wait. In the meantime the fees are rising. {$1400.00} was taken out of my account via ATM. XXXX ( Comerica ) starred to me, are you sure you did not give someone else your card? I also spoke with another customer there and he stated it happened to him as well. I feel Comerica knows about the breach and still does nothing. 

I 've received a call from XXXX with card services informing me that if I had applied for Comerica 's credit card I would have money available to me. She told me that she could not help and suggested that I wait on the dispute to be settled in 10 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-18 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: Ocwen Financial Corporation
State: IN

Complaint narrative:
IN 2009 MY XXXX, XXXX AND XXXX MORTGAGE ACCOUNT WAS TRANSFERRED TO OCWEN LOAN SERVICING, DUE TO FACT XXXX XXXX XXXX WENT DEFAUNCT XXXX XXXX, XXXX. AS A RESULT OCWEN LOAN XXXX IS TILL REPORTING AS A DUPLICATE MORTGAGE ACCOUNT ON XXXX XXXX XXXX  AND THIS IS THE LAST TIME I AM ASKING, BUT WILL SUE FOR VIOLATION OF THE FCRA, TILA AND FINALLY VIOLATING THE : DODD-FRANK ACT 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX of this year, XXXX I sent a dispute to XXXX, XXXX and XXXX questioning the balance, which I have found to be incorrect/inaccurate on a debt with Wells Fargo Dealer Service. The dispute result came back verified with NO change. I then asked XXXX, XXXX and XXXX to let me now how they verified that this information was in fact correct, they said that they contacted Wells Fargo Dealer Service to verify this information. I tried one more time in disputing the balance, in which is inaccurate. They again said it was verified. 
So, the next step on XXXX of XXXX, XXXX I sent a request certified mail asking to send me the deficiency balance ( 9-616. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY ), how they got to that balance ( accounting documents ) and a ledger representing my payment history, in which they did not comply. They sent me a " canned '' response template letter requesting my date of birth, 10 digit account number, social security number and a description of what i was requesting. The original letter dated XXXX XXXX, XXXX had this information in it. 
Due to the law, and Wells Fargo Dealer Service not complying with UCC 9-616, my attorney let me know to send another letter to them to recover under subsection ( b ) {$500.00} in each case from a person that : ( 5 ) fails to comply with Section 9-916 ( b ) ( 1 ) and whose failure is part of a pattern, or consistent with a practice, of noncompliance ; or ( 6 ) fails to comply with Section 9-616 ( b ) ( 2 ).
I have re-sent another letter today, certified mail, return receipt disputing this debt again to XXXX, XXXX and XXXX, as well as a direct creditor dispute in which I am sending Monday the 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 non-monetary relief
Consumer complaint received 2017-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This account have been remove from my credit XXXX XXXX and XXXX its showing on my credit report XXXX with in accurate information showing charge off since XXXX then showing paid in good standing XXXX of XXXX this information is inccurate I dont receive any information from anyone bout this I ask to please remove Santander bank immediately from my XXXX  credit report they are putting false information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Since XXXX XXXX XXXX 2016 I 've been receiving mail from some unknown thing called XXXX. It 's stating that I owe {$430.00}. I do n't know from where, who, why, and for what. It 's been a year and I 'm pretty sure if I owed money like that, XXXX or whatever it is would 've been took other action to get in some other form of contact with me!!! I 've only received mail. I do n't even know how it has my address. I ca n't have that on my credit and I 'm not paying for something I know nothing about that has been there for a year and has n't accumulated in amount!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: WA

Complaint narrative:
Transunion is reporting A tax lien that doesnt belong to me as XXXX2017 and wont remove it, XXXX is reporting XXXX XXXX XXXX as deliquent and XXXX XXXX as collection which are Hippa Law violations as well as child support that are 180 days late and deliquent XXXX And Transunion is reporting Child support Enforcement as of XXXXX2017 as delinquent and 180 days late as well as XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX all as charge offs these accounts are damaging and malicious and effects my ability to get loans and employment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim that Navient, has verified that the account they are reporting under my name is accurate. your INCORRECT reporting is reporting me LATE ON MANY MONTHS WHILE I WAS IN DEFERMENT AND WAS GOING THROUGH ECONOMIC HARDSHIPS. THE INCORRECT LATE REPORTING ARE AS FOLLOW : 90 DAYS LATE ON XXXX ; 120 DAYS LATE ON XXXX : 150 DAYS LATE ON XXXX : Be advised that the incorrect reporting is detrimental to my credit and is causing substantial harm to my credit reports and it 's holding me back from owning our home one day. Please remove this incorrect reporting from my credit reports and mark as current with the credit bureaus. 
the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete and represent a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar Mortgage sent me mortgage statements in XX/XX/XXXX indicating past due balances of more than {$140000.00}, however, Nationstar has deleted the credit line from my credit report. 

OnXX/XX/XXXX, XXXX XXXX 's associate, XXXX called me to inquire if I had an HOA and to verify if it my telephone number was a cell number and if it was ok to contact me on that number. 

Nationstar Mortgage generally refers me to their counsel, XXXX XXXX, to inquire about the status of this alleged account. Nationstar or their counsel will not talk with me referencing this account or advise status. 

I have vehemently disputed this account since XX/XX/XXXX, I have not made any payments or agreed to make any payments. 

N

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: GA

Complaint narrative:
This was removed from my credit and is now being reinserted inappropriately. This is a very old account. 

XXXX XXXX XXXX Collection/ Chargeoff Learn More {$0.00} XXXX XXXX 2012

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: MI

Complaint narrative:
On or about XX/XX/XXXX, an open collection appeared on only my Equifax credit report. The collection is allegedly for a medical bill of {$270.00} that I got charged on XX/XX/XXXX from XXXX XXXX XXXX. On XX/XX/XXXX, I was XXXX to XXXX. I am an XXXX XXXX XXXX XXXX. My healthcare is free. There is no possible way that I incurred this debt. I made a complaint with Equifax. They investigated it and said that is was a legitimate debt and kept it on my credit report. I never incurred this debt. It is not possible. This erroneous report will cost me money because it has dropped my credit score over 50 points from my XXXX credit score, which does not have this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Innovis
State: NY

Complaint narrative:
Multiple times I made written request for free copy of my annual report from Innovis. They never send me a copy of it.

Company response to consumer: Closed with explanation