vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CBM Services, Inc.
State: MI

Complaint narrative:
In XX/XX/2018, I received a notice from CBM Services , Inc. stating that I owed an outstanding debt to one of their clients. I sent a debt validation letter requesting them to provide me with all documents pertaining to said debt and their authority to collect it. CBM Services , Inc. failed to comply with my request, which is protected under the Fair Debt Collection Practices Act. CBM contacted me again, by phone and by mail, insisting that I pay off the collection amount without verification. I sent a certified letter to them explaining that they had not validated the debt and to cease any further contact with me. The day that they received my request, they called me. They have continued to call and send letters despite my written request for them to stop. They also have never been able to validate the debt they claim to be collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I paid off my 2nd mortgage and they came up with XXXX they said interest charges and have it listed on website as no code? I don't want to talk to JP Morgan Chase because they convince me of something that's made up. Also why did I have an escrow balance didn't even know I had this and since when? I've not been late for over a year when I was late I paid all late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was notified via email alerts that an account for a student loan was opened in my name by all three of the credit bureaus. Following the directions on identitytheft.gov, I contacted all three bureaus to place a freeze on my credit reports as well as printing out current credit reports from each bureau. Both XXXX and XXXX were able to verify my information base on the information in both credit reports and place freezes on said reports. Equifax, however, was unable to verify my information and it was at this time that I realized that my birthday was inaccurately reported on their credit report. Furthermore, the information that they asked me to verify my identity was different than the information that I obtained as of printing out my credit report on XX/XX/2019. The last employer listed on the credit report I obtained from Equifax 's credit service was from the mid XXXX 's. I find it inexcusable that Equifax not only can not maintain accurate information on my credit report, but then does not provide current and accurate information when I request my credit report from them. This has cost me valuable time in trying to resolve a fraudulent account being opened in my name and with my personal information. Even worse, I have a credit freeze on my credit report through Equifax that is supposed to prevent accounts being opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I was given graduate loans from XX/XX/XXXX-XX/XX/XXXX for approximately {$160000.00}. Over this time approximately {$20000.00} worth of interest accrued on these loans. These loans were by manged by nelnet. 

After completing my graduate program, I was enrolled in a residency program for 2 years. I had done some research and understood that there is a 6 month grace period after which interest is capitalized. Deferment of loans would extend this grace period and thus interest would not be capitalized. Thus my game plan became to pay down as much of the accrued interest during my residency years so that after the deferment period was over there would be less interest to capitalize thus saving me money. 

I called up my various loan companies and reviewed the matter with them. My Health Professional loans simply told me that I needed to submit a form that I was in residency, have it approved by my program and the repayment status would be deferred until I finish my residency program. This process worked flawlessly with tem. 

However, the same is not true with nelnet. I called nelnet with the same request and spoke to many representatives and supervisors. Many didn't understand what a residency program is and sent me various forms. They sent deferment forms and when I filled it out told me it was the wrong form. I explained that my goal was to pay down as much of the interest before it capitalized, but they didn't understand. The interest capitalized and my game plan did not come through fruition. At one point one of the representatives put an administrative forbearance on my account as she thought I was complaining about not being able to make payments. This in turn triggered ANOTHER occurrence where the accrued interest capitalized. Overall I ended up owing more than should have been because I was not given the proper guidance by the nelnet team. 

After my residency program I worked hard to refinance these loans. I did refinance a large portion of my loans held by nelnet. I did not like the service or information I was given by them. They misled me in many ways, and did not take the time to fully understand the situation. records will show that I called them multiple times from XX/XX/XXXX-XX/XX/XXXX. I have emails of all the forms that they requested as were sent and then rejected by nelnet from the same period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MEDICAL DATA SYSTEMS & MEDICAL DATA SYSTEMS ( 2 ) There are no contracts, no valid claims ... accounts were settled with original creditor, grave errorfalse claim and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

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 2019-04-10 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:
XXXX XXXX XXXX. 
{$240.00} XXXX XXXX XXXX {$490.00} XXXX {$70.00} XXXX XXXX XXXX XXXX There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed and I was advised to inform you to update your records ... grave errorsfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: JTM Capital Management, LLC
State: WI

Complaint narrative:
There is a money judgement against me from JTM Capital Management LLC from what I believe to be a payday loan. 
I finished a Chapter XXXX bankruptcy in XXXX of 2018, I am done making payments and received all my court documents finalizing and closing this chapter XXXX, everything is in good standing. 
Under chapter XXXX bankruptcy payday loans are prohibited, this means this payday loan was taken out under my name, without my permission while I was still making payments under my chapter XXXX plan. 
I never received a court summons, have not been served any court hearing documents notifying me of any dates for a court appearance. 
I now have a money judgement claim under my name and fear that I will have wage garnishment without anything I can do to stop it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I am a XXXX year old woman trying to take care of myself with my properties and Shellpoint has taken advantage of me and is trying to steal my source of income from me! I am very concerned with the actions of this company, Shellpoint Mortgage ... I have a sale date in 2 days, XX/XX/XXXX, and my new documents have all been received but the underwriters continue to ask for silly things, like the date over each column on my Profit and Loss Statement isn't enough, it needs to be at the top of the page also and must read " XX/XX/XXXX to XX/XX/XXXX '' .... each column had the date written in this order but this bothered them. Many, many questions of clarifications like this yet the last review Shellpoint added 3 properties I didn't own, added mortgage amount that weren't correct etc. Dual tracking is alive and well with Shellpoint and their " new '' ( old really ) Trustee XXXX XXXX   who are really XXXX XXXX XXXX XXXX XXXX XXXX/ same crooked company that has been under many different names as they've been shut down!!! I've seen them all, XXXX, XXXX, etc ... .I know that my property qualifies for a modification as I have had 4 other modified yet Shellpoint  is XXXX bent on stealing my property in 2 days! As per their own calculations provided to me for qualification for their modification, I should be given a modification yet so far they tell me they are going through with the sale. This leads me to believe that they possibly don't own the loan or they would be interested in modification. I have many disputes unanswered including a qualified written request unanswered, yet they walk over these state and federal laws as well. I am asking that these Federal Agencies paid by taxpayers dollars hold these companies accountable to the law of the land and stop robbing the american homeowners ... .enough is enough! I am demanding that this sale date be cancelled and a rightful, qualified modification be issued along with the requested documents for review by my legal team. I have asked for an appointment to view the wet ink signed Note and Deed that they are claiming they have in their possession as legal standing to modify my loan and service it, i.e. the Assignments and Substitution of Trustee recorded documents, yet no valid documents nor appointments have been offered to date ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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 recently reviewed my credit report and found unauthorized inquiries. 
NO proof I initiated such inquiries, nor written authorization Remove these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.I was informed by creditors that you should remove. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer  reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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 — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I was a victim of a fire that destroyed my home in XXXX of 2018. Months later I am trying to buy a new home and am having a hard time because my previous mortgage company ( Select Portfolio Servicing ) reported that I had a payment 90 days late. I have proof that the forbearance plan they gave me after the fire was followed, as well as payments made for the most recent two payments prior to the date of loss in the fire. They refuse to remove the 90 day late payment even though it's not valid. There is no 30, or 60 day showing on my credit, only the 90 day. They say it's because XXXX, XXXX and XXXX payments weren't made, but the forbearance agreement stated there was no payment due for those months and the balloon payment was due in XXXX. The insurance paid off my mortgage at Select Portfolio Servicing on XX/XX/XXXX, so the loan was paid off prior to the balloon payment being due. I have called and written to the company several times along with my new mortgage lender between XXXX and XXXX. The last conversation was with my new mortgage lender and them on XX/XX/XXXX. They still refused to remove the late payment even though they can not explain why it's on my credit. I am legally XXXX and my wife and I are elderly. Not only have we been through a devastating fire and loss of our home, but now we are having an issue getting a new home because of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
A few years ago our mortgage was purchased by Carrington Mortgage. Since then we've had nothing but trouble. We got a few payments behind and caught up only to have them keep charging us strange fees to " keep us in the hole. '' As of now, they are showing that the last payment made was in XX/XX/2019, which shows on my credit report as 30-59 days late, which is dragging my score down. I have made both XXXX and XXXX XXXX payment but Carrington refuses to update that information. I have a print out from Carrington 's own site showing those payments were made as well as statements from my bank showing those payments were made. I have read through hundreds of complaints online about the same things happening to other people. This company needs to be investigated and shut down. In the meantime, I simply want my payment information reported accurately. This company will find anyway to keep collecting more money from you or to ruin your ability to refinance with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
I received a call from an unknown number stating that they had a courier in my area and I would receive a delivery today that requires a signature at my residence or place of employment and to make sure I had a valid form of identification. They told me if I was not going to be available or have further questions to contact XXXX. 

Called back and was harrassed, given my personal info such as SSN, place of employment was 10years old and business nameand he told me my driver 's license would be suspended and bank privileges revoked due to a loan from XXXX I have never received a loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Hello, I just received a phone call on XX/XX/2019 around XXXX from Portfolio Recovery ( XXXX ) keeps calling my work ( XXXX or XXXX ), they keep calling me and pressuring me for private information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
A previously disputed collection account has been reinserted into my Equifax credit file with the following names : Collection Service of XXXX, also listed as XXXX , XXXX, also listed as " XXXX and account number XXXXXXX ''. This collection was successfully disputed and removed has been reinserted into my Equifax credit report. The collection account was reinserted between XX/XX/2019 and early XX/XX/2019. I have copies of my credit report from XX/XX/2019 and I pulled another version today because I applied for a mortgage loan a few days ago and was informed that there was a collection in my report! This has caused me to NOT be preapproved for the mortgage for which I applied. I was not notified that this collection account was being reinserted to my credit file which removed my right to dispute the information before reinserting a derogatory account into my credit file, pursuant to FCRA 611 ( 15 U.S.C. 1681I ). It is my belief that this reinsertion is a willful and deliberate act by Equifax to cause harm to my credit file and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
I received a collection attempt from " XXXX XXXX , XXXX '' ( allegedly based in XXXX, MI ) in the mail for both an account I have never had and an amount of money I have never owed. The account numbers they're referencing do not exist, and neither the account or the debt appear in my credit report. This is a fraudulent collection attempt from beginning to end. I do plan to contact the company directly and attempt to sort things out and have the collection discharged and my information removed from their database ; however, I wanted to take steps to report this fraud before contacting them. This company has either been misled by some other fraudulent reporting organization or is itself creating these fraudulent reports in an attempt to scam myself, and others no doubt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
1. I have an interest only loan and the servicer is Shellpoint Mortgage Servicing. This month my statement had a charge for principal. 
2. I called them but they refuse to acknowledge that the loan is interest only. 
3.Last Friday I forward to them a Shellpoint letter date XX/XX/2018 that shows no principal payments are due on my loan. 
4. I called Shellpoint at XXXX XXXX XXXX today and my call was disconnected there times.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation