vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Pinnacle Financial Group, Inc.
State: GA

Complaint narrative:
I had to make arrangements for my XXXX XXXX payment due. I called Pinnacle Financial group and made arrangements. I started receiving collection calls the next day along with emails and text messages advising me to remove my things out of car if no call by a certain date. I kept arrangements made for my XXXX XXXX payment. They changed my due date to XX/XX/XXXX I did not sign any paperwork or tell them to change it. Now they have me due for XX/XX/XXXXand showing me 30 days late. I cant be past due for XXXX XXXX when I just made XXXX XXXX payment. They continue to call and sent a certified letter to repo the car. I have proof of my payments I have never missed a payment. I have not made my XXXX pymt due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am writing to dispute the account XXXX XXXX referenced above that is currently reporting on my Experian credit report. I have disputed this account information as inaccurate with Experian, and Experian has come back to me and stated they were able to verify this alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX myself several times and have been unable to get them to verify that this is indeed my debt. 
I have previously enclosed copies of my requests for them to Validate these alleged debts, and the receipts showing that I sent these letter certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this alleged debt to the collection company XXXX XXXX that is listed above in this letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Experian is obligated by law to remove this item. There is a clear case of unverified debt here, and I urge Experian to remove this alleged item before I am forced to take legal action. 
Experian is also continuing to report inaccurate personal information in regards to my name, address. 
I have never lived at the address that is currently being listed on my credit report the address is as follows:XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX VERIFY AND REMOVE THESE INACCURATE ADDRESS INFORMATION FROM MY EXPERIAN CREDIT REPORT AS SOON AS POSSIBLE, MY ADDRESS SHOULD ONLY BE REPORTING AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS IDENTIFICATION NUMBER XXXX IS REFLECTING. 

I HAVE NEVER USED THESE NAMES WHICH IS AS FOLLOWS : XXXX XXXXNAME IDENTIFICATION NUMBER : XXXX XXXXNAME IDENTIFICATION NUMBER:XXXX XXXXNAME IDENTIFICATION NUMBER : XXXX NAME SHOULD ONLY BE REFLECTING AS FOLLOWS : XXXX XXXXORXXXX XXXX XXXXPLEASE REMOVE THESE OTHER ERRENOUS INACCURATE NAMES FROM MY EXPERIAN CREDIT REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I mailed out a check for {$890.00} to XXXX XXXX who is my landlord. This check was for my rent. XX/XX/2015 I noticed the check was cashed against my account. XX/XX/2015 My landlord called me and stated she still had not received the check. I then went to chase bank and they printed out the check for me. The signature on the back of the check was signed XXXX XXXX. I filed a claim with chase bank XX/XX/2015 stating I did not give XXXX XXXX permission to cash my check. The claims department stated they did not receive my claim and I had to go back to the bank 3 times to resend it. They finally received the claim XX/XX/2015. I called Chase claims department to check on the claim and they stated the claim was approved and I should have the money in my account 3-7 business days. On the 6th business day I called again to check on when I was getting my money and I was told the claim was n't approved it was actually denied. chase then told me they got XXXX XXXX XXXX to reopen the claim and it should be completed within 30 days. I then received a call from XXXX XXXX from the XXXX XXXX station where I currently live. He told me the cops found XXXX XXXX XXXX in possession of my mail and about XXXX other victims. He then asked if I wrote a check to XXXX XXXX for {$890.00} and I told him yes. He said that this suspect by the name of XXXX XXXX XXXX was arrested for fraud and that they had the suspect who stole my check and gave me a police report number. The report number is XXXX. I then called chase and gave them the police report information. I was then told XX/XX/2015 that chase sent XXXX XXXX XXXX a demand letter. XX/XX/2015 chase did a follow up with XXXX XXXX XXXX and XXXX XXXX XXXX stated an expected date of completion would be XX/XX/2015 XX/XX/2015 chase informed me they closed the claim due it being beyond the 120 days that they had to work on this claim. I called XXXX XXXX XXXX and all they would tell me is that they denied the claim with chase. If this matter is not resolved I am going to follow through with a lawyer and sue for this amount plus more. This has cause me to have to move and put a lot of XXXX on me after I gave birth to my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Receivables Performance Management, LLC
State: NM

Complaint narrative:
I received a letter dated XXXX XXXX, 2015 on XXXX XXXX, 2015, from a company claiming that they purchased a debt from another company. I sent a letter asking for debt validation and requesting that they cease all communications until validation is provided. The company received the letter on XXXX XXXX, 2015. The company continues to call multiple times a day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I disputed information on my credit report that was out of date and inaccurate. Bankruptcy and a student loan. After speaking with the Student loan department they told that the account was closed and taking over by another company which i knew already because i had sent the form in to Equifax dispute department to remove the old account of the student loan. Some guy got on the phone and read of some account number that didnt belong to me and refused to delete the items from my credit report. The bk is 7 yrs old and was filed under a lawyer who banned from practice and the put the filing void status. They where very unprofessional and did not follow the law of dispute. I specifically asked them to tsend me proof of the results of my disputes and they felled to do and does not want to delete inaccurate information on my credit report. This matter has put alot of stress on my and as im trying to finance a home. And to have a credit bureau of such handling your credit file is heart breaking. The creditors have asked Equifax to remove the items and they will not do it. For the XXXX. I need some reinforcement to make them do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Genesis Lending
State: GA

Complaint narrative:
The company was through a school that is currently being investigated for misuse of funds, loans, education promises etc. The company was suppose to give me {$4000.00} for my student loan so that I can finish school and graduate, they did not. They also claimed that as long as I was in a college or school that all I would have to pay is {$20.00} a month, that did not happen. The more I kept tell the less they listened. After XXXX years I stop paying and request through the original school which was XXXX University online to tell me where my funds went I got no were. Also I was a victim of ID theft from XX/XX/XXXX-XX/XX/XXXX per the IRS so I am not sure being that they do not release their information on an open investigation. I was ripped off to a tune of over XXXX plus. Until today I do n't know if that organization or other are within that investigation, but I did file a police report and have that on file. I do n't like paying for something I never got, I do not work with in a financial institution so I do n't know what funds they kept or release because what was on paper was not what I received. I also had no problem paying the {$20.00} a month because even as we speak I am still XXXX. Been XXXX continuously since XX/XX/XXXX to present so I do n't know why they did not honor there agrement and raised my payment to {$70.00} a month when that was not the verbal or so call written agreement that no one can locate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
I attended XXXX for my XXXX, XXXX degree and completed back in 2013. The cost of this degree was over XXXX. I exhausted my federal student loan monies and to complete my degree had to sign a private loan through XXXX which is managed through XXXX ECSI. My monthly payment has gone up to {$320.00} dollars monthly, which does not include my other private loan through XXXX XXXX and my federal loans that are currently being repaid. I have continued to ask for assistance bringing my monthly payments down so I do not default on this particular loan and will get assistance for XXXX months but after that it goes back up to the original amount of {$320.00} per month. I can not afford this kind of money on just XXXX loan and need assistance finding a way to get this monthly payment down. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
On XXXX I submitted a Reg E dispute to Chase on a transaction that I did not make on XXXX. I had visited the store in question and made a purchase, I had a receipt for that purchase that was also on my statement, but disputed a transaction from the same merchant for {$61.00}. I had only made one purchase at that merchant that day. On XXXX XXXX they sent me a copy of the receipt sent to them by the merchant, saying it was a valid transaction. It may have been valid, but the receipt did not have my name, my signature or even my card number on it. I returned it saying it was not authorized by me. Today on XXXX I received their dispute resolution saying it was a valid transactions and the dispute is resolved..to my detriment! There reasoning -- my card was n't lost or stolen. I did not sign for this transaction, the receipt clearly indicates it was n't even my card, but the charge was posted to my bill. I 'm at a loss as to what steps needs to be taken, I can not understand how I can be charged when they can not provide a receipt with any of my pertinent information on it. I work for a bank and am very familiar with Reg E, I think both the resolution and the length of time it took to come to the wrong conclusion are way outside the intent of the regulation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: PA

Complaint narrative:
I am seeking information about my Genesis loans through XXXX in XXXX, PA. I have heard about all of the loan forgiveness because of the XXXX XXXX settlement. I was one of the many students who were talked into the lending scheme brought on by these schools and Genesis lending company. I was charged horrible interest payments that I could n't afford, while still in school. As well as, pulled out of class because I could not afford payments. Horrible interest rates still haunt me, along with unreasonable monthly payments. I am already on deferment, on which they still require me to make minimum payments. I have a loan balance of {$21000.00} and have no idea how I will be able to keep up with this. I feel as though I was a victim as well as other students who have already had their loans forgiven. The way the company went about handing these loans out to young students who know nothing about them, was wrong. My loan servicer XXXX told me that Genesis has already handled the persons eligible for forgiveness and passed me along to their company. So my question is, why was I considered not eligible? I attended school in XX/XX/XXXX-XX/XX/XXXX and suffered just like everyone else who attended these scheming schools. Please help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: NV

Complaint narrative:
I am a former XXXX customer. I am just trying to get this false report off of my credit. According to this fraud of a collections agency, Receivables Performance Management, XXXX sent my mobile account into collections in XXXX. However, I received bills from XXXX, including continuing charges up until XXXX. My final bill was due at the end of XXXX. I was on a payment arrangement with XXXX and the account was paid in full in XXXX ( including several payments before the payoff date ). I have several recent audio recordings of XXXX finance confirming that they never sent the mobile account to Receivables Performance Management and that the account has been paid in full and closed. I never dealt with this collection agency ; all payments were made to XXXX. XXXX will not remove negative report unless XXXX sends a letter confirming what they told me. Spent hours on the phone and XXXX will not send any letters condemning this fraud on my report. I want XXXX and Receivables Performance Management to take responsibility in getting this negative report removed.

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 2015-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
Repeated automated calls with no identification of who they are trying to contact, or what company they are. Caller ID says XXXX, RECEIVABLESPERF. There is no message left, if I pick up there is a long silence, and then a recording.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
This complaint is related to a previous complaint which was prematurely closed by Chase Mortgage ( CFPB # XXXX. ) Since the filing of the above referenced complaint, communication from Chase has completely stopped. After filing the previous complaint I was advised by XXXX XXXX in the Chase Executive office to submit a settlement offer to them and that is all they would need. XXXX XXXX sent me a XXXX envelope on or around XXXX/XXXX/15 and the settlement letter requested was returned to XXXX via XXXX two business days later and would have been received before XXXX/XXXX/15. XXXX XXXX contacted me to advise they had receive my settlement offer and that they now needed additional paperwork. I was told what additional information was needed. This additional information was sent to Chase via XXXX ( at my own expense after they said it would not be at my expense ) and was received by XXXX XXXX in the XXXX, Co. mailroom on XXXX/XXXX/15. Since receipt for this information by Chase there has been no one assigned to handle my case and no communication from Chase. I have attempted on several occasions to contact XXXX XXXX. I have never been able to get her to answer her phone and have left numerous voicemails, none of which have been returned. 
Chase sent a letter to the CFPB indicating that I had not submitted the requested information to them by their self imposed XXXX/XXXX/15 deadline and my case was therefore closed. First of all, Chase has blatantly misrepresented the facts of this case/complaint. They have all the information they have requested but no one from Chase has made any attempt to contact me. I initially contacted Chase in a good faith effort to attempt to settle this loan I am unable to pay before it goes into foreclosure. This issue has been ongoing now for approximately XXXX months and I would like for Chase to address this asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My home was completely destroyed by flood on XXXX XXXX, l was told by my insurance adjuster that they would contact Chase ( my mortgage carrier ) and arrangements would be made so l would not be expected to make further payments in lue of the mortgage being paid off. My insurance company sent several emails requesting information to process this interaction, but no response was ever received from Chase. Upon my request to contact my insurance company, Chase refused to respond saying that the insurance company did not need any information from them to expidite the payoff. Upon a phone conversation in which my insurance adjuster made to Chase, they explained that email was not an accepted for m off communication for them and all interactions had to be submitted by way of fax. No contact was made however by Chase to either myself or my insurance company to relay this information and so they ignored any requests that had been made by myself and the insurance company for information relating to my situation.l then made phone calls to Chase to explain the situation at which time after more than an hour and a half on the phone and being transfered to XXXX departments, l was told l could only avoid being reported as delinquent to the credit department if my payment was made before it was more than 30 days past due, which at the time, l was hopeful would be paid off by the insurance company by that time.After several calls to the insurance company and 3 more phone calls to Chase requesting ANY options available to me to avoid a negative report, l was told there was nothing available to me to help my situation. On XXXX XXXX l made one final call to Chase to try and work out any kind of arraingment, l was then told that a mortgage assistance program had been available to me since the beginning and had been set up to assist victims of the flood with exactly this problem! Had l been informed, a simple form should have been filled out and l would not have been responsible for any further payments until the insurance company satisfied the loan. Of course l was told that it was too late to fill it out then because not enough time was left to submit it before the end of business that day when they would be submitting not a 30 day delinquency, but a 60 day one, which they did ... Now that my mortgage is paid off and l am starting over, l must apply for a loan to rebuild a mew home, but probably will not be able to get, due to a drop in my credit score in excess of XXXX points. If our financial institutions have this little regard for people like me who maintained a perfect payment record for over 13 years to them, and because l was a victim of a natural disaster, l am being punished and mistreated, and inevitably will be the one to pay a very high price for THEIR incompatance, then how are we supposed to have any faith in the " system '' or in our governing bodies!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank put a negative mark on my credit for missing a {$35.00} annual fee. I have been a customer for 10 years. I never heard from them regarding this. Not to mention that I had paid this fee for over 9 years. I never missed a payment, always paid on time, in fact paid the account in full prior to this. The best part is that they waived the fee after non payment and closed the account without me knowing any of this. They said that they sent me notices, yeah to an old address on file. I updated my address multiple times, but their website is very difficult to use. I have been in to the branch twice and they have told me how difficult it is to work with their own folks. I did n't know this was being reported to the credit company until after it was done, I am trying to buy a house and this is causing problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I just received a notice from Chase advising that my property is in risk of foreclosure and that my debt owed is {$9400.00}. They also claim my loan is 63 days late. I have made payments every month

Company response to consumer: Closed with explanation