vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is an extension/addendum to complaint XXXX I have filed here and was closed by CFPB before its completed resolution. In essence, it seems that due to Chase Mortgage operational inefficiency and internal miscommunication between departments, the process completion of my mortgage loan recast case has been stuck in limbo since mid XXXX. Following are the specific details : 1. Ms. XXXX XXXX, a Home Lending Executive Office specialist, Ph. XXXX, ext. XXXX, was communicating with me by phone concerning my original complaint XXXX. She was my single and only contact, handling my case with the Recast Department, and updating me on my case status. ( Customers have no direct access to the Recast personnel. ) 2. The intended resolution stated on a letter Chase sent me on XX/XX/XXXX was that Chase will honor the recast agreement I executed with Chase on XX/XX/XXXX, which will reduce my mortgage payments from {$220.00} to {$200.00} retroactively, and credit/refund me the accumulated difference in payments. 
3. On XX/XX/XXXX I XXXX  back to Chase this XX/XX/XXXX letter with its enclosed Recast Acceptance Form as instructed. 
4. I alerted Ms. XXXX on one of our initial telephone conversations in XX/XX/XXXX that I will be leaving the country and my mail will be held from XX/XX/XXXX until XX/XX/XXXX, therefore all documents Chase requires me to execute must be delivered to my home address by XX/XX/XXXX, or by email after my departure date. Ms. XXXX assured me that the procedure will be done prior to my deadline, and I am to receive the new agreement by mail within a week. The first documents from Chase were actually Fedexed to me nearly a month later. 
5. I contacted Ms. XXXX upon receiving the letter with the acceptance form on or about XX/XX/XXXX to remind her about my overseas trip and to raise my concern about a second set of documents I expect the Recast Department to send me to complete this procedure, ( which I have previously required to execute on XX/XX/XXXX ). Ms. XXXX assured me there is no other documents to be sent to me, and that any further communications from Chase will be sent to my email address. 
6. My XXXX and XXXX mortgage statements have already been closed with no sign for the application of the recast terms. 
7. Two weeks ago, on XX/XX/XXXX, I left Ms. XXXX a voice message to let her know that Chase has not executed my recast terms yet, that she misinformed me about the process completion with the return of my Recast Acceptance Form, and that I am certain there is a second set of documents sent to me by Chase after my departure, which holds the process stuck in limbo until my return, and that I didn't receive any emails from Chase Mortgage or Recast departments. 
8. As of this day I did not hear back from Ms XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: GA

Complaint narrative:
Filed a Dispute with Experian in regards to a account being reported as a late charge off on my credit report incorrectly. Experian Report Number XXXX results determined that no changes would be made to the account and continues to report as unpaid and late and it has been paid in full. Please remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 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: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing is not reporting correct information to the credit agencies. SPS is reporting that the mortgage is closed. They are also reporting an incorrect balance. My account is still active and has been current since XX/XX/2018. I spoke with SPS on a recorded line in XXXX  they advised that it would begin to report correctly. SPS has since not updated my information with any of the credit agencies. I spoke with SPS on a recorded line again in XX/XX/XXXX and they advised they are not reporting because I have a dismissed bankruptcy, and if I wanted it corrected I would need a reaffirmation document. I reached out to the attorney the represented me in my bankruptcy filing and they advised that reaffirmations are only for chapter XXXX   cases. I had chapter XXXX reorganization and they should be reporting accurate information. SPS reported my account as closed and past due inXX/XX/2018. At that time it was the plan of SPS to foreclose on my property. I was able to gain assistance and mortgage reinstatement through a state funded program that paid all of my missed payments. With this complaint I want for SPS to begin to report my mortgage on my reports as active and current dating back to XX/XX/2018. I have filled a previous complaint on SPS because I felt I was a victim of racial discrimination. I still feel this way as evident in their unwillingness to provide assistance during my hardships, and currently by reporting information that destroys my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: MD

Complaint narrative:
So in the process of fixing my credit and applying for a car loan, I noticed that on XX/XX/2018 my Transunion credit bureau had lost points due to an unlicensed collection company ; XXXX XXXX XXXX XXXX for the state of Maryland was added. When I saw that I immediately checked ( XXXX XXXX XXXX ) to see if they were bonded in my state. The amount is for {$570.00}. Under the Fair Debt collection Practices Act ( FDCPA ),  I have the right to request validation of the debt owed.

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 2018-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I went XXXX XXXX XXXX, I was offered to apply a credit card to make my purchases. I applied with synchrony bank and was offered a credit card on the spot. I made purchases costing {$2100.00}. I started my payments as scheduled each month through my bank 's bill pay program and I was always on time with them. In my mind I had a certain month when I pay off this card. In the meantime, early on they increased my credit line and I called them stating I do not want this increase. So after making {$1500.00} and some payments to the bank last month ( XXXX I opened the bill and I owe another {$1500.00}. I thought it was a mistake so I called and explained myself, the lady transferred me to the manager who said that I went past the promotional period of 1 year of paying without interest that is why. I started making payments in XX/XX/XXXX and I told him I was not aware of that. Even if I past a year which is in XX/XX/XXXX now, it's just been 2 months why this much interest of {$900.00}, asked to review their interest did not get anywhere and called for the second time, did not resolve my problem. I decided to file this complaint because I do not have the money to pay this bank for this much interest on the furniture bought last year. Please advise to review their interest because it is not right. Now they charging me {$43.00} of interest each month on top of the {$900.00} they have already charged. Please this is not helping me at all, I understand banks make interest but at the same time it has to be reasonable. Please plead for my case.

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 monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: IL

Complaint narrative:
In XX/XX/2018, I received a latter from A.R.M. Solutions stating I owe a debt of {$12.00} to XXXX XXXX. I have never had a XXXX XXXX subscription ( or received a newspaper delivery from them ) and when I contacted the XXXX XXXX, they were unable to locate me in their system. I then wrote to A.R.M.  Solutions asking for proof of the debt. They have refused to provide proof of the debt but continue to send me letters demanding payment or they will report it on my credit reports. I do not owe this debt and demand proof of the debt. They refuse to provide this proof.

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 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-09-15 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: GA

Complaint narrative:
XXXX XXXX XXXX  is not reporting correct information to the credit agencies. XXXX  is reporting that the mortgage is closed. They are also reporting an incorrect balance. My account is still active and has been current since XX/XX/2018. I spoke with XXXX   on a recorded line in XX/XX/XXXX they advised that it would begin to report correctly. XXXX has since not updated my information with any of the credit agencies. I spoke with XXXX on a recorded line again in XX/XX/XXXX and they advised they are not reporting because I have a dismissed bankruptcy, and if I wanted it corrected I would need a reaffirmation document. I reached out to the attorney the represented me in my bankruptcy filing and they advised that reaffirmations are only for chapter XXXX   cases. I had chapter XXXX  reorganization and they should be reporting accurate information. XXXX  reported my account as closed and past due in XX/XX/2018. At that time it was the plan of XXXX to foreclose on my property. I was able to gain assistance and mortgage reinstatement through a state funded program that paid all of my missed payments. With this complaint I want for XXXX to begin to report my mortgage on my reports as active and current dating back to XX/XX/2018. I have filled a previous complaint on XXXX because I felt I was a victim of racial discrimination. I still feel this way as evident in their unwillingness to provide assistance during my hardships, and currently by reporting information that destroys my credit rating.

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 2018-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: GA

Complaint narrative:
L.J. Ross & Associate have my identity without my permission. I have not ever had an account with this company i disputed this debt with the credit bureau and they reported this debt as accurate which is fraud because I never gave them my name. address. phone number. social security number.date of birth or any of my personal information.under the FDCPA I have a right to request validation for the debt that say I owe them which will be a contract I signed with their company. this is a violation of the fcra because this is inaccurate information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: NY

Complaint narrative:
My complaint is against Experian reporting system as i have sent several certified letters showing proof that the account is not mine and the company doesn't even have this account. I have sent the actual letter from the company stating that the account is not mine and it should be deleted. But Experian keeps reporting this on my credit report, which really hurts my feelings since i pay {$32.00} a month for their credit fico score information. I feel as Experian doesn't take these matters seriously and for several months now they keep updating a account that doesn't exist. I have spent over {$50.00} in certified letters and spent hours and hours collecting this correct information to HELP Experian out by showing them proof! My next step will be small claims court, as i know that i can be awarded {$1000.00} for incorrect information and i will take my monthly Fico/credit checker business somewhere else where they treat customers with respect and listen to them. I am so exhausted from this disputing that it would be easy in small claims. Again the tracking information for these letters. USPS Certified Mail XXXX : XXXX delivered XX/XX/XXXX. What else do i need to do? I have shown PROOF with letters from these companies! Who is doing this verifying? It's obviously not correct!

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 2018-09-15 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: TX

Complaint narrative:
ON XXXX XXXX I CHECK MY EQUIFAX CREDIT REPORT AFTER HEARING OF THE BREECH IN THEIR SECUIRTY SYSTEM. I FOUND OUT THAT I HAD THREE ACCOUNTS ON MY REPORT THAT WASN '' T MINE. SO I SUBMIT A ONLINE DISPUTE ON XXXX XXXX. EQUIFAX NOTIFIED ME THAT THEY VERIFIED ACCOUNTS WAS MINE IN XX/XX/2018. MY SECOND ATTEMP ON XX/XX/2018 I SENT EQUIFAX A WRITTEN DISPUTE ASKING EQUIFAX TO SEND ME VAILDATION OF THESE ACCOUNTS WITH PROOF OF SIGNED CONTRACTS .ALSO ASK THEM TO GIVE ME THE NAME OF THE PERSONS AND SIGNED CONTRACTS OF WHO VERIFIED THESES ACCOUNTS. EQUIFAX REFUSED TO PROVIDE ME PROOF. 

ON XXXX XXXX EQUIFAX AGAIN SAID THE VERIFIED ACCOUNTS AND DID NOT SEND ME PROOF OF ANYTHING. NOTHING WITH MY SIGNATURE ON IT, NOT CONTACT INFORMATION OF ANY PERSON WITH THE COMPANIES THAT SO CALLED VERIFIED AND THE CONTINUE TO REPORTING NEGATIVE ITEMS. 
IN XXXX EQUIFAX NOTIFY THAT THEY VERIFIED IT AGAIN AND ONCE AGAIN THEY DID NOT PROVIDE ME PROOF LIKE I REQUESTED FOR THE SECOND TIME,. 

ON XXXX XXXX FOR THE 3RD TIME, I REQUESTED AGAIN FOR EQUIFAX TO PROVIDE ME PROOF OF VALIDATIONS OF ACCOUNTS. ON XX/XX/2018 EQUIFAX NOTIFIED ME AGAIN WITHOUT PROVIDING ME PROOF. I HAVE JUST INGORE MY REQUEST TO PROVIDE PROOF. 

THEY NEVER PROVIDE ME WITH NO PERSONS NAME, OR CONTRACTS WITH MY SIGNATURE ON IT. I FIND THAT THEY ARE NOT VALIDATING ACCOUNTS. 
SO I ASK THEM AGAIN TO PROVIDE PROOF OF THESE S ACCOUNTING BELOW, IF THEY CANT PROVIDE CONTRACTS WITH MY SIGNED SIGNATURE I DEMAND EQUIFAX TO REMOVE THESES ACCOUNTS FROM MT CREDIT REPORT IMMDEDIATELY AND SEND ME A NEW CREDIT REPORT XXXX 

XXXX 'S XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing is the company that has my mortgage. I purchased this home in XX/XX/2005 as a sole borrower. I experienced job loss, death, and illness and fell behind in my mortgage. During the entire time SPS turned me down when I reached out for assistance. While I was unemployed and asking for assistance I was told there was nothing that could be done by them to provide assistance to because I was not working. When I became employed and reached out for assistance in regard to the mortgage being delinquent I was advised that they only had programs to assist unemployed borrowers. After getting married and asking for assistance with my spouse with our joined income over XXXX SPS advised that my spouse and I did not have enough income to be able to afford a modification, and work out plan. I was rescued through XXXX XXXX XXXX and they provided a XXXX payment to SPS and my mortgage was reinstated. After the mortgage was reinstated and applying again for assistance with a rate reduction alone with only my income of XXXX per year SPS stated that I can afford this mortgage and that there was no available options. I was quoted a reinstatement amount of XXXX in XX/XX/XXXX that would bring the mortgage current in XX/XX/XXXX. On XX/XX/XXXX SPS received a XXXX check from XXXX XXXX XXXX  on my behalf and I would begin making payments in XX/XX/XXXX with a current mortgage. This has turned out to not be accurate because SPS is quoting on the mortgage statement that I owe {$1600.00} in other charges. I speak with SPS often and this amount was never mentioned and I am unsure of where it is coming from. I will attach the last two mortgage statements for your review. In previous complaints filled by me on SPS I have accused them of racial discrimination and with the last statement I am assuming it to be fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
After turning in my lease early in XXXX of XXXX, Hyundai Motor Finance sent me an invoice stating that I owed {$1700.00}. I was under the impression that the dealership was charging me fees for terminating my lease early ( when in fact they solicited me to turn my lease in and swap for a newer model ). I went to the dealership, as well as called HMF, and after much frustration saw no resolution. Eventually they sent the bill to collections and it appears on my report as " charged off as bad debt ''. I filed a complaint with cfpb and they responded stating that I owed the money for terminating my lease early and have yet to pay the amount owed. As previously stated, I was solicited by the dealership and called on multiple occasions for the opportunity to turn my lease in early. Therefore, I knew that these charges were not valid. I decided to take the issue to small claims court. I was to sue XXXX  XXXX AND Hyundai Motor Finance due to the fact that I was not aware of which party was at fault. Neither party showed up to court on the day of the trial and that was when I set a new date and contacted a lawyer. A lawyer from XXXX XXXX called me, and I had my lawyer call him back. After investigating, it was discovered that XXXX XXXX sent Hyundai Motor Finance a check that was to cover my remaining payment. This check was dated XX/XX/XXXX. This amount was NEVER applied to my account. The actual total that I owed was {$570.00}. For a whole year I was back and forth with the dealership AND HMF and not one person could catch this error or explain what the issue was. I even asked for a new invoice in XX/XX/XXXX, and this amount had still not been applied. So, I have a negative remark on my credit report for an amount of money that I was not responsible for. I need Hyundai Motor Finance to have this negative remark removed from my credit report immediately. I was not responsible for this bill that was sent to me and I looked for help and an explanation, wasted time, energy, and money going to court, and received no help from either the dealership or Hyundai Motor Finance. It was only when I had a lawyer contact them that I saw any progress. This item must be removed as soon as possible, for I am hoping to purchase a residence in the near future. Thank you in advance for your help regarding this matter.

Company response to consumer: Closed with explanation