vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To Whom It May Concern, My lender ( Chase ) issued me a short sale approval letter today and it expires on XX/XX/2019. This is ridiculous. There is no way that the buyers lender will be able to adhere to the TRID Guidelines. 1 ). The lender has to have 3 days to get the disclosure out to the Buyer 2 ). The Buyers Underwriter has to review and 3 ). Underwriter conditions would have to be cleared prior to closing. So, there is a reason that the TRID laws state that a lender has 45 days to close. I NEED HELP!!! The Short Sale Lender only approved the short sale for 4 days, which is unheard of. The are not only being unreasonable, but they also are not in compliance with the TRID Laws. I have done everything that i can to get this to happen, but if the lender refuses to cooperate, then i have no choice but to get you involved. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Attached are copies of statements from XXXX and XXXX as well as statements saying I owe XXXX XXXX. However, I have documentation that XXXX has no proof of a contract with my signature, no video surveillance of me submitting an application or phone recording of me applying for an account. Same is true for XXXX! 

I have asked them same of XXXX XXXX  : Proof they have a signed contract by me, between me and XXXX XXXX, a video surveillance of me submitting an application or a phone recording of me applying for a line of credit with XXXX XXXX. They have not been able to do so. They keep sending me statements. 

Under the FCRA, this is NOT Validation of a Debt. This is false reporting and not reporting 100 % accurate by any company as they have NO PROOF these are my accounts.

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 2019-01-28 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: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
inquiries : XXXX -date FRAUDULENT ACCOUNTS ; -XXXX   XXXX  XXXX  -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #XXXX

-XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- XXXX  ( ORIGINAL CREDITOR IS XXXX ) AMOUNT {$850.00} -ACCOUNT #XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I inquired with Shellpoint Morgage ( Loan # XXXX - Property address XXXX XXXX XXXX, XXXX, TX XXXX ) on XX/XX/XXXX about removing my PMI. They told me I needed to fill out a form to request the removal and might require an appraisal if it is only 80 % LTV. They also told me it is automatically removed at 78 %. I never received the form and since I was close ( XX/XX/XXXX/XX/XX/XXXX ) to the 78 % LTV, I decided the cost of paying it down was about the same as the cost of the appraisal, I'd just wait until I paid the loan to 78 % LTV. 

I inquired in XX/XX/XXXX with Shellpoint about removing the PMI from my loan a 2nd time. I also made a request online, see attached The person I spoke with said they would not remove the PMI, even though the loan was now below a 78 % LTV. He said that since my property was non-owner occupied that the LTV requirements to remove PMI are lower. This is contrary to what I was told previously. My current loan amount is {$100000.00} ( see attached ). They are showing per my Shellpoint online account info. my LTV at 74.34 %. Please assist me in getting my PMI removed from my loan. Thank YOU!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: LEXISNEXIS
State: MI

Complaint narrative:
my ex-husband let our house get foreclosed during our divorce XXXX years ago. I have worked hard to repair my finances and have improved my credit. the foreclosure has timed out on all of my credit reports, but I continue to be denied credit, it is always because of lexis nexis report- they should not be allowed to do an end run around state and federally mandated consumer protections. I have alerted them and requested that they remove it to no avail. I have opted out of their sharing my information-to no avail. I am ready to enlist the help of legal council to great personal expense. I thought I would first see if someone can just get them to do what is right

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
Franklin collection claims I have a debt with them when I have not done any type of with them or any one associated with them. balance. I asked them in writing to provide me with proof of this debt but they did not respond or provide any evidence. By not replying to me in a timely manner to my initial letter on XX/XX/18, they have not only violated federal and state laws, but you have also failedto provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Therefor they should immediately request that this erroneous debt be deleted by all credit reporting agencies or I will be forced to this wrong doing to the attorney general, the XXXX XXXX XXXX, and finally I will file a small claims case where they will have to report court to defend themselves at my local court. Be aware I have been keeping a close record or all correspondence should they keep breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I was notified through my credit protection service that Receivables Performance Management ( RPM ) was attempting to collect a {$410.00} debt for XXXX that is not my account. I contacted RPM, XXXX and XXXX  several times between XX/XX/XXXX and XX/XX/XXXX. The debt belongs to my dad whose name and address were submitted to XXXX  but the collection hit my credit report due to my SSN being linked to it. My dad nor I have received anything in writing regarding this debt. I experienced a similar issue last year for this same account on the XXXX  and XXXX  credit reports that was resolved in XX/XX/XXXX. RPM changed the name and address from that of my dad to my name and address after I requested they not do that. XXXX   got involved and questioned RPM on why they changed the account to my name when they submitted my dad 's name and address to XXXX. I've contacted XXXX who expressed that my name, address nor SSN is linked with the account and have reported that to RPM several times. XXXX even updated the collection system that RMP has access to review for updates on XX/XX/XXXX and XX/XX/XXXX to let ROM  know that they have mistakened my identity. RPM still won't budge. t I am very frustrated because I have been wrongfully accused and my XXXX credit score has dropped almost 100 points because of it. This complaint is for Receivables Performance Management ( RPM ), especially Mr. XXXX XXXX, for the seemingly sneaky tactics used to switch the account on to me and for not being helpful. Please look into RPM and their debt collection practices.

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 2019-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Machol & Johannes, LLC
State: WA

Complaint narrative:
On XX/XX/2018, I am doing a settlement to XXXX XXXX XXXX , XXXX, File No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX  using MACHOL JOHANNES LLC   Attorney at Law but they are not a lawyer XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone # XXXX where I paid {$3000.00} from my Debit Card ending XXXX and it shows from my bank account that they received my payments. I called them today that they will be sent a printout receipt from their system. Now, I received another collection letter from another collection company name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX   phone XXXX claiming a {$5000.00} don't want to deduct my payment {$3000.00}.

XXXX XXXX XXXX , XXXX already removed my derogatory remarks from Credit report such as XXXX, and XXXX XXXX was already deleted XX/XX/2018. They advise me not to send a payment to XXXX XXXX, XXXX  until they send me to collections and we have to file a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Onward Credit Holdings, LLC
State: VA

Complaint narrative:
XX/XX/XXXX, I took out an online loan with Onward Credit. The line of credit was {$550.00}, as I paid the loan off, I was given an increase limit as of XX/XX/XXXX to {$1100.00}. I did take out the advances however on more than one occasion I had asked to close the account to avoid paying enormous fees. The interest rate is at 359.1 % and the average amount taken out of my bank account is about {$250.00} every 3 weeks. I have paid onward credit over {$1500.00} and still have a remaining balance of {$420.00}. There seems like that there is no relief insight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
This is about an issue that I have addressed several times. I have been assigned case numbers repeatedly. To date, without success from CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: GA

Complaint narrative:
I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/18. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Therefor they must request that these debts be deleted from all credit reporting agencies. They have also been reporting late payments although this account shows as closed on my credit report. 
If this violated of the law is not handled appropriately I will report this to the my attorney general, the XXXX XXXX XXXX and then I will file a case at my local small claims court. I have kept a close record of all of this in case I need to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This Debit has been on my credit report for several years. I have sent multiple letters asking them so reveal the original debit account ( since they are a debit buyer ) and have received no contact from Midland Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent the ftc violation and all the doc 's to proof that these accounts are not mine to the best of my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} {$290.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$6800.00} - - Installment Negative XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX {$100.00} {$500.00} 20 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} {$500.00} 140 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$800.00} 130 % Revolving Negative XXXX XXXX XXXX XXXX {$14000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$4900.00} - - Installment Negative XX/XX/XXXX XXXX XXXX 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 2019-01-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
sent the ftc violation and all the doc 's to proof that these accounts are not mine to the best of my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} {$290.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$6800.00} - - Installment Negative XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX  

XXXX {$100.00} {$500.00} 20 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} {$500.00} 140 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$800.00} 130 % Revolving Negative XXXX XXXX XXXX XXXX {$14000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$4900.00} - - Installment XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-01-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
sent the ftc violation and all the doc 's to proof that these accounts are not mine to the best of my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} {$290.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  {$6800.00} - - Installment Negative XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX {$100.00} {$500.00} 20 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} {$500.00} 140 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$800.00} 130 % Revolving Negative XXXX XXXX XXXX XXXX {$14000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$4900.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are addresses on my credit report that are not mine. Please remove the following address as they do not belong to be. I dont even understand how someone elses address could even come on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX  My current address is XXXX XXXX XXXX XXXX, XXXX, GA 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 explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I keep being harassed by a company named " Nelnet '' they also reposted this fraudulent debt on my credit report after it had been previously removed following a dispute which proved it to be fraudulent. 
This debt is a product of identity theft, I have already submitted a police report, an FTC report and two forms of identification ( my driver 's license & social security card ) According to the FCRA 605B a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ... 
I just want this nightmare to be over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC.
State: VA

Complaint narrative:
The date my loan with Check into Cash Originated on XX/XX/XXXX for {$800.00}. The APR for this cash advance is 299.99 % I have paid this loan back and the interest. Check into Cash keeps on withdrawing money from my checking account. On their website it does not show the payments made just a balance of {$1300.00}. This company will call me at least 3 to 5 times a day and I have explained my situation of my financial hardship and I am willing to pay {$50.00}. I have had several of the representatives argue with me stating that an arrangement was not entered into their system, even though, I have made the payment of {$50.00} over the phone. Check into Cash had withdrawn money out of my account after I have asked them not to causing my checking account to be overdrawn. On XX/XX/XXXX, I spoke with a representative with Check into Cash who stated that although I paid over {$800.00} towards their loan, they have to make money too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/18. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Therefor they must request that these debts be deleted from all credit reporting agencies. They have also been reporting late payments although this account shows as closed on my credit report. If this violated of the law is not handled appropriately I will report this to the my attorney general, the XXXX XXXX XXXX and then I will file a case at my local small claims court. I have kept a close record of all of this in case I need to move forward with reporting and filing the claim.

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 2019-01-28 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: GA

Complaint narrative:
There are addresses on my credit report that are not mine. Please remove the following address as they do not belong to be. I dont even understand how someone elses address could even come on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA 3XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX  My current address is XXXX XXXX XXXX XXXX, XXXX, GA 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 explanation
Consumer complaint received 2019-01-28 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:
I received a copy of my credit report end there ere items on my credit that ere not mine. Please remove these items off my report es they ere not mine. XXXX XXXX XXXX. Here are the inquiries that i know nothing about. XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  This hes prevented me for cosigning for my sister loan for school. We need to get this taken care of before enrollment date. I'm doing this on my own behalf and I also contact the FTC and the police.

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