vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
My health insurance XXXX XXXX XXXX XXXX XXXX XXXX was never billed for the medical bill from XXXX XXXX XXXX the origin of the bill. I contacted XXXX XXXX XXXX and they filed my instance after they sent me to collections with Amsher Collection by mistake ( invoice XXXX ). However XXXX XXXX XXXX XXXX pay the bill and I paid the remaining if the bill after the medical bill was recycled through the system. I contacted Amsher and give them proof the bill was paid by my insurance and myself and Amsher is still collecting on the bill. I requested they remove the bill from my credit report and sent them a certified letter tandcthe insurance billing paid cancelled check. AMSHER is still collecting on a debt that XXXX XXXX XXXX has been paid on ( {$310.00} ). I asked that the collection be removed from my credit report and Amsher continues to report this bill in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted both XXXX, XXXX and Equifax about the reporting of ( 2 ) fraudulent Chapter XXXX Bankruptcies that are showing on my credit files. When I contacted Equifax they refused to do a proper investigation of the matter and only submitted a request to verify my correct personal information with XXXX, and this does not constitute a proper fraud investigation when I have informed both Equifax, XXXX and XXXX that my information was compromised as a result of identity theft. These bankruptcies also show that they were filed in the state of S.C., however I have never resided in the state of S.C., so it is impossible that I could have ever filed a bankruptcy in S.C. as that would be prohibited. I have never in my life filed any bankruptcy but I have always lived in the State of Georgia so there as many reasons why these bankruptcy records are fraudulent. I have sent both XXXX, XXXX and Equifax my personal statement of these facts, a copy of my police report to prove this was fraud and both of them continue to report information that they know is fraudulent. It is also impossible to file ( 2 ) bankruptcies in a one year period yet both of these agencies claim that I did, but his is 100 % false. These are not my bankruptcies and neither agency are doing proper fraud investigations they are only verifying my name and social security number, and that is improper when I have told both companies I was the victim of identity theft where my information was compromised and uses. <P/>The bankruptcy numbers are as follows : Case XXXX filed XX/XX/XXXX Case XXXX filed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted both XXXX, Experian and XXXX about the reporting of ( 2 ) fraudulent Chapter XXXX Bankruptcies that are showing on my credit files. When I contacted XXXX they refused to do a proper investigation of the matter and only submitted a request to verify my correct personal information with XXXX, and this does not constitute a proper fraud investigation when I have informed both XXXX, Experian and XXXX that my information was compromised as a result of identity theft. These bankruptcies also show that they were filed in the state of S.C., however I have never resided in the state of S.C., so it is impossible that I could have ever filed a bankruptcy in S.C. as that would be prohibited. I have never in my life filed any bankruptcy but I have always lived in the State of Georgia so there as many reasons why these bankruptcy records are fraudulent. I have sent both XXXX, Experian and XXXX my personal statement of these facts, a copy of my police report to prove this was fraud and both of them continue to report information that they know is fraudulent. It is also impossible to file ( 2 ) bankruptcies in a one year period yet both of these agencies claim that I did, but his is 100 % false. These are not my bankruptcies and neither agency are doing proper fraud investigations they are only verifying my name and social security number, and that is improper when I have told both companies I was the victim of identity theft where my information was compromised and uses. <P/>The bankruptcy numbers are as follows : Case XXXX filed XX/XX/XXXX Case XXXX filed XX/XX/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 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
There was a notice sent regarding the home being sent to foreclosure, but the letter only listed the date and time. The notice did not include an reinstatement amount. The reinstatement amount was sent on  XXXX / XXXX /   2017, less than 48 ho urs before the said foreclosure sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I send a copy of XXXX XXXX, XXXX credit report online today an notice a negative collection account by LVNV FUNDING, LLC., for {$110.00}. I never received any notice from this company about the alleged debt or my right to request validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I contacted XXXX via certifed mail on X/XX/17, via telephone and by fax requesting removal of an account in which I attempted to contact a collection agency to request validation of a debt via the reporting address that they had listed as a contact address on my credit report. I sent them a certified letter into the EXACT same address they had listed on my credit report and the letter was returned as undeliverable. I mailed and faxed the copy of a the returned envelope with the return yellow label along with a letter requesting the removal of that account due to my understanding of both federal and state laws of reporting that no entity has the authority to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and any non compliant information. The reporting collection agency is clearly reporting inaccurate data because they have provided a false contact address toreach them on my XXXX credit report. I have made multiple calls to XXXX requesting removal of the account and they have still neglected to do so. XXXX is in violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I paid for my home in full on a 20 year note. On the last payment I was told I still owe XXXX dollars. My mortgage was XXXX payments. Principle and interest fixed for 20 years. Now Chase bank never in the time I had them told me of a shortage in my payment amount. They even sent me a check for {$1800.00} dollars in XXXX. No fees on any statement. They claimed I had on my original mortgage an interest rate of 13.7 % day to day interest which I never heard of. Chase NEVER informed me of a shortage in my payments that would make them take the bulk of my principle for their interest portion. Chase benefited by me not knowing that all the principle I was paying was not going where I thought it was going. Chase allowed this money to accrue for 20 years. I requested a copy of my mortgage 3 times. They just ask me to hold on the phone and never come back. I even gave them my cell phone number if we get disconnected. Still no call back. My original mortgage was XX/XX/XXXX, loan maturity XX/XX/XXXX. If this interest rate was as they say, I would have changed it years ago. The interest was crazy. I wanted to pay it off, so I left it. I believed I had a FIXED rate. The bank is trying to extend my payment maturity date. I signed up for 20 years only.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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 contacted Equifax via certifed mail on X/XX/17, via telephone and by fax requesting removal of an account in which I attempted to contact a collection agency to request validation of a debt via the reporting address that they had listed as a contact address on my credit report. I sent them a certified letter into the EXACT same address they had listed on my credit report and the letter was returned as undeliverable. I mailed and faxed the copy of a the returned envelope with the return yellow label along with a letter requesting the removal of that account due to my understanding of both federal and state laws of reporting that no entity has the authority to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and any non compliant information. The reporting collection agency is clearly reporting inaccurate data because they have provided a false contact address toreach them on my Equifax credit report. I have made multiple calls to Equifax requesting removal of the account and they have still neglected to do so. Equifax is in violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a Bankruptcy on my credit report dated XX/XX/XXXX. Doing a proper search of the official publicly available court documents shows This Bankruptcy does n't meet the National Consumer Action Plan data Guidelines of XXXX that went into effect XX/XX/XXXX stating in short that the 4 identifiers earmarking the record are clear and present indicating the validity of the record. Additionally a recent online search as of XX/XX/XXXX shows that there is no current data on the XXXX website ( see attachment ) showing NO DATA as regards any federal court ruling against XXXX XXXX in the state of California from XX/XX/XXXX to XX/XX/XXXX, further corroborating that fact that any such records have been removed, vacated and or found to be null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Nationstar took over my mortgage XX/XX/XXXX. I have a sale date for XX/XX/XXXX. My advocate, XXXX XXXX contacted Nationstar prior to the XXXX XXXX, and days and every week but they did n't have me on record yet to work with them. XXXX XXXX dated letter with loan specialist XXXX XXXX was received on XXXX XXXX. On XXXX XXXX XXXX XXXX filed application for short sale, ( I had to file bankruptcy since XXXX after 4 years as I thought we were at modification instead, notification of transfer soon after sale date ) modification application could n't be done until BK was dismissed. My BK was dismissed the end of XXXX and my advocate spoke to Nationstar XXXX XXXX for modification application and was told my mod app was closed on XXXX XXXX because it was opened on XXXX XXXX and no paperwork was presented. What? He was also told you ca n't have application for modification and one for short sale at the same time. So short sale application was stopped and I called XXXX XXXX for modification application by email and mail. Nationstar sent my loan specialist XXXX XXXX dated XXXX XXXX received XXXX XXXX. I mailed application in XXXX XXXX it was returned to me on XXXX XXXX with zip code incorrect. I had returned XXXX XXXX 's phone call missed on the XXXX and again the XXXX now to get her fax number to send application to her directly. Then 3 calls that XXXX because now I 'm in a panic because I received sale date for XXXX XXXX. Finally XXXX returned my call and I was told too late with sale date for modification or short sale. Also told she would present a buyer with escrow proof etc. Have my advocate call with their details and she 'll present it. He called a couple of times with the 24-48 to return your call and no return call at all. I had so hoped for the opportunity for a fair chance to modify. XXXX XXXX and their lawyers XXXX XXXX XXXX have tried to steal my home over originally less than {$3200.00} and their 5 % interest only mortgage. With lawyers and advocates, organization helping to save my house? XXXX adults together with income over $ XXXX./mo. My mom XXXX and I have been there since XXXX, XXXX. My daughter and their family since XXXX. Grandchildren are set in progress schools in specific districts. My second daughter with XXXX from XXXX XXXX in her home is back here last week, back in a XXXX after a year of improvement, since her rental has XXXX XXXX now. After returned checks, chapter XXXX we have tried desperately to intelligently save our home. I could n't rent a room with my credit now. I can not believe I ca n't get the chance for help from these programs. I 'm a spec in the ocean. So sad and unfair. The payments and monies I 've spent to have nothing paid on principle. The arrears with all the legal fees, a crime, but I still want stay in our home and pay for it!! We are good, honest people. We are NOT trying to con or not pay. We are trying to save our home!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
On  XXXX   XXXX ,    2004  I signed a Multistate Fixed Rate Note Single Family  XXXX   XXXX   XXXX  whereby in paragraph  XXXX  ( Borrowers Right to Prepay ) of the form it provides : When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. '' This renders the note non-negotiable. I have told the Note Holder multiple times that I have made prepayments to the loan and that it is not a negotiable instrument pursuant to sect ion 3-104 ( a ) ( 3 ) of the U.C.C., a   promissory note can not be an instrument if it contains such an undertaking : the rules of negotiability apply only to promise to pay money, not to other, non-monetary undertakings. Sending a notice certainly is an act in addition to the payment of money, and the notes language seems to constitute an undertaking to perform that act. '' My  XXXX  Loan number is :  XXXX  and I have demanded a full Accounting of my original loan number :  XXXX  allegedly now serviced by  Caliber Home L oans with loan number :  XXXX . Therefore, based on the above, this is a notice to the Note Holder of all the above, and ask the Consumer Financial Protection Bureau ( CFPB ) to intervene and audit my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: SC

Complaint narrative:
Have compliant to Equifax that the name XXXX XXXX XXXX appearing on the file is fraud and should be removed. There is also a account under the name XXXX XXXX that is fruad and they have sent me letters reflecting they have request the Equifax should remove this from my file but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I never requested to freeze or extra security to my credit reports. And this is not the first time, I want this arbitraire move to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a Bankruptcy on my credit report dated XX/XX/XXXX. Doing a proper search of the official publicly available court documents shows This Bankruptcy does n't meet the National Consumer Action Plan data Guidelines of XXXX that went into effect XX/XX/XXXXstating in short that the 4 identifiers earmarking the record are clear and present indicating the validity of the record. Additionally a recent online search as of XX/XX/XXXX shows that there is no current data on the XXXX website ( see attachment ) showing NO DATA as regards any federal court ruling against XXXX XXXX in the state of California from XX/XX/XXXX to XX/XX/XXXX, further corroborating that fact that any such records have been removed, vacated and or found to be null and void.

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 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a Bankruptcy on my credit report dated XX/XX/XXXX. Doing a proper search of the official publicly available court documents shows This Bankruptcy does n't meet the National Consumer Action Plan data Guidelines of XXXX that went into effect XX/XX/XXXX stating in short that the 4 identifiers earmarking the record are clear and present indicating the validity of the record. Additionally a recent online search as of XX/XX/XXXX shows that there is no current data on the XXXX website ( see attachment ) showing NO DATA as regards any federal court ruling against XXXX XXXX in the state of California from XX/XX/XXXX to XX/XX/XXXX, further corroborating that fact that any such records have been removed, vacated and or found to be null and void.

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 2017-07-12 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My credit reports shows that I am 30+ plus days late on a credit card with Navy Federal Credit Union although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all. <P/>There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never requested to freeze or extra security to my credit reports. And this is not the first time, I want this arbitraire move to stop.

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 2017-07-12 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: TX

Complaint narrative:
My credit reports shows that I am 30+ plus days late on a credit card with XXXX XXXX XXXX XXXX although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all.
<P/>
There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: TX

Complaint narrative:
My credit reports shows that I am 30+ plus days late on a credit card with XXXX XXXX XXXX XXXX although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all.
<P/>
There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.

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