vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I'm a US citizen living in the XXXX for the last 5 years - I've been banking with Chase since long before my move & maintained a Chase savings & checking account until a few days ago. This complaint is twofold : XXXX - Chase is refusing to cover me on fraudulent/unauthorized transactions against my checking account, citing a T & C protecting me for only the first 60 days from the first fraudulent activity, & 2 - Chase subsequently closing my account ( due to the fraudulent activity ) & removing all information from my client login page ( significant balance, account documents, historical transaction information, etc ... ) without any formal notification or way of accessing this information. 

Complaint 1 - I've maintained my Chase account for the 1-2 small ongoing USD transactions I have per month but don't use it too often & don't tend to check the balance each month on account of the infrequent usage. On Friday, XX/XX/XXXX I logged in to check out whether a transfer had arrived & I noticed a significant number of fraudulent transactions from various XXXX accounts ( not mine ). I investigated & noticed the first of these transactions ( 2 deposits & 2 withdrawals less than {$2.00} - can't give you exact amounts because of Complaint 2 ) on XX/XX/XXXX. There were subsequent withdrawals of {$990.00} on XX/XX/XXXX, withdrawals of {$330.00}, {$110.00}, & {$22.00} on XX/XX/XXXX, withdrawals of {$330.00} & {$59.00} on XX/XX/XXXX, {$350.00} on XX/XX/XXXX, and another {$350.00} & XXXX on XX/XX/XXXX. I contacted Chase to let them know & they asked me to indicate all fraudulent transactions, which I did. They then told me they would only protect & refund me the fraud for the first 60 days from the first transaction ( starting XX/XX/XXXX ). When I tried to question how this was possible I was told to consult the T & Cs of my initial account opening pack ( from many years ago ) then subsequently accused of being negligent when asked how they couldn't have noticed the activity given it was so different from my normal spending habits. I was told there was no way to 'quarantine ' my account from other withdrawals & after being passed around to about 15 different people on the phone ( & explaining my situation about 12 times ) I was finally informed that my account would be locked down & I would then need to come into a branch to collect my balance. 

Complaint 2 - In subsequent days ( estimated date XXXX XXXX ) I have received no official notice from Chase & when I log in my account & all historical statements are gone, leaving me with no information. I have no idea where my balance is, what happens to it, & no access to any historical transaction information, which I find wholly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: SC

Complaint narrative:
I filed a complaint with FedLoan Servicing about the misreporting of my timely payment. I have asked them to update the information to current going as far back as 2015 when my loans was handled by the Dept of Education/XXXX and South Carolina XXXX XXXX. I'm not sure if when the loans was transferred there was an error but I would like for it to be fixed. I have reached out to the company on two separate occasions to no avail. She there response below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX fromXX/XX/2017 

I've tried Experian to remedy this situation, but it's been to no avail. Everytime I dispute this they say it comes back verified from the court? But I contacted the court and they informed me that they dont give out any information to the credit bureaus. It also said that the Information was verified through XX/XX/XXXX, a third party. Well I have myXX/XX/XXXX file and it shows noXX/XX/XXXX on there. I will be uploading those documents. If this cant be resolved, I will be forced to pursue further actions, notwithstanding legal procedures against the Experian credit bureau.

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 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: FL

Complaint narrative:
on XX/XX/19, a balance for XXXX dollars was reported on my credit report by AR RESOURCES INC. Account # XXXX. The Original Creditor XXXX XXXX XXXX OF FLORIDA. I was never told I would be sent to a collection agency without an opportunity to dispute. I did not receive any document from this credit agency regarding this account. This collection agency reported me to the credit bureau without even attempted to contact me regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: MD

Complaint narrative:
XXXX XXXX billed me when I was covered under medicaid. They reached out to XXXX failed to realize my coverage. WhenM XXXX realized it and told XXXX XXXX, XXXX never reached back out to me yet continued billing. This is a communication issue on all other third parties. 

Ive disputed this with the original creditor Ive disputed this with Receivables MGMT Ive called the credit bureaus. 
Ive gotten an itemized statement in the mail from XXXX  and disputed mutiple times from XX/XX/XXXX-XX/XX/2019. 

I have had success with requesting an early exclusion with XXXX  and they removed The debt from my credit report in XX/XX/2019, Its due to fall off XX/XX/2019. 

I am requesting immediate deletion in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: FL

Complaint narrative:
BB & T bank stole money from me on two occasions. They classified the unauthorized withdrawals as a payment reversal. I have sent numerous emails requesting what the payment reversal was for. I have called them no less than 100 times and they will not take or return my calls. I finally went to the bank in person, and they said they can not talk with me. I have all the supporting evidence including all my emails and banks statements.

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 2019-06-25 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:
I use XXXX XXXX to monitor my credit scores. The Equifax score is reporting a hard inquiry from " XXXX - XXXX XXXX XXXX XXXX '' on XX/XX/XXXX. I did not have a credit check done at this time and believe this is fraudulent. 

Additionally, I have two hard inquires from companies " XXXX XXXX XXXX '' on XX/XX/XXXX and from XXXX on XX/XX/XXXX. Both of these inquires were from when I was inquiring about a mortgage. They were from two different institutions, XXXX XXXX   and XXXX XXXX ; however, they were inquiring about the same thing, a home loan. On Equifax 's own website, they state " Multiple hard inquiries within a certain time period for a home or auto loan are generally counted as one inquiry. '' Considering they are within a week of one another, and resulted in a single loan, they should really be counted as a single inquiry. 

Finally, there is a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I did begin services with this company then ; however, I was not informed it would be a hard inquiry and was under the impression that utility service inquires were soft. This seems particularly ridiculous when people frequently move from house to house and have to set up new utilities throughout their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital bought XXXX XXXX bought XXXX XXXX, And XXXX XXXX already removed the accounts from my credit file, because they were past the statue of limitation. XXXX will not remove the accounts ; they do not even own the accounts, anymore, so they are being reported, twice, including with XXXX XXXX and should not have been reported, when acquired, due to the statue of limitation. Jefferson claims a payment was made, around the 8th year from the account being opened ; they can not provide proof of payment. I NEVER made a payment, so the delinquency date is incorrect. These accounts NEED to be removed from my credit reports. Most of them were opened in 2006, and a payment has never been made. They are private loans and are being treated as Federal, also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
On XX/XX/2019 I went to TitleMax to obtain a loan o {$4000.00} after signing all paperwork I was unable to go to the bank to deposit the check so I decided to use my mobile deposit app with XXXX XXXX at first. I kept getting an error message stating that XXXX XXXX doesn't accept a deposit larger than {$1000.00} on the app so I decided to use my XXXX  XXXX XXXX app which accepted up to {$10000.00}. Later on that evening I got an email from XXXX  stating the deposit was accepted of course I was amazed because the check was already accepted with XXXX XXXX XXXX. I called both banks in the morning to find out how this happened and what to do from there. XXXX  XXXX XXXX stated that the check will be on hold for XXXX business day until title max 's bank credit my account with the funds. XXXX XXXX  stated the same I had to wait to see which bank will be credited the funds and the other bank will be canceled out. On XX/XX/XXXX Funds was released to XXXX XXXX XXXX. Then 11 days later funds was taken back and I didn't know why. I was on the phone with XXXX XXXX XXXX and they stated that title max never credited my account. I went back and forth with the banks and title max to retrieve the funds and they both are blaming each other I know for a fact that {$4000.00} can't just disappear and nobody knows where the funds went. Title Max stated it was no longer in their hands and it was a banking issue. So now at this point not only nobody is helping me and {$4000.00} disappear I owe title max the money and everyday they are charging me interest and I just want to get this resolve and get my title for my car back. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Started loan modification XX/XX/XXXX. Have submitted XXXX documents numerous times uploaded to Mortgage co website and XXXX letters. Every time I call with questions based on logging into their website I never get the same person. I have been told we dont qualify, rude employee who stated my husband works XXXX she entered into their system now additional information required, ( he had a complete XXXX XXXX and I have applied for SS XXXX, we have only SS income ) different states answers Oregon Texas etc. so need to talk to supervisor. Never get the same answer ever Been Told Underwriters are processing the application. Sure, that is why we have to upload SAME documents again and again. What are they looking for? Not one person from mortgage co has called us to help us with our application. I have asked please someone help us We have owned our home XXXX  years and have plenty of equity. Good luck to anyone else who gets old has numerous medical bills and lower income. Since home values are up in our area and equity in our home. Probably will let it go into foreclosure we cant possibly use our social security to pay for the large payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: OH

Complaint narrative:
Paramount Recovery Systems added a collection to my credit report without any written notification

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD ASTRA RECOVERY SERVICE FOR XXXX XXXX  IN XXXX, TEXAS, THE TEXAS STATUS OF LIMITATION ON DEBT COLLECTION AGENCY IS 4 YEARS AND THIS DEBT IS 6 YRS 6 MONTHS, IT WAS REMOVE FROM XXXX   CREDIT REPORT, XXXX CREDIT REPORT BUT XXXX WILL NOT REMOVE THIS COLLECTION AGENCY FROM MY CREDIT REPORT, I HAVE DISPUTED IN WRITING THAT THE TEXAS STATUS OF LIMITATION 4 YRS HAS EXPIRED THAT THE COLLECTION AGENCY SHOULD BE REMOVE FROM MY XXXX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Consultants, Inc.
State: FL

Complaint narrative:
XX/XX/2019 I received a letter from Professional Recovery Consultants where states that I have a debt with XXXX County Emergency Medical Services, NC. for {$770.00} I called them and they do not have a valid information such as date of birth, department number and also my legal name.I called them again t and I was told to do a dispute by email ( XXXX ) now, XX/XX/2019 I received another letter with the invoice of provider stating that I owed this amount The description of the debt is based on an Emergency service with date XXXX. 
XXXX County Emergency Medical Services XXXX XXXX : XXXX XXXX, NC XXXX XXXX Emergency base rates : XXXX ALS Emergency milage : {$12.00} It seems that is a fake invoice As I stated, I have never been in North Carolina. 
Professional Recovery Consultants does not have a valid information.

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 2019-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX bought XXXX, XXXX bought XXXX XXXX, And XXXX XXXX already removed the accounts from my credit file, because they were past the statue of limitation. XXXX will not remove the accounts ; they do not even own the accounts, anymore, so they are being reported, twice, including with XXXX XXXX and should not have been reported, when acquired, due to the statue of limitation. XXXX claims a payment was made, around the 8th year from the account being opened ; they can not provide proof of payment. I NEVER made a payment, so the delinquency date is incorrect. These accounts NEED to be removed from my credit reports. Most of them were opened in 2006, and a payment has never been made. They are private loans and are being treated as Federal, also.

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 2019-06-25 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: TX

Complaint narrative:
XXXX XXXX bought XXXX, XXXX bought XXXX XXXX, And XXXX XXXX already removed the accounts from my credit file, because they were past the statue of limitation. XXXX will not remove the accounts ; they do not even own the accounts, anymore, so they are being reported, twice, including with XXXX XXXX and should not have been reported, when acquired, due to the statue of limitation. XXXX claims a payment was made, around the XXXX year from the account being opened ; they can not provide proof of payment. I NEVER made a payment, so the delinquency date is incorrect. These accounts NEED to be removed from my credit reports. Most of them were opened in XX/XX/2006, and a payment has never been made. They are private loans and are being treated as Federal, also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On my Equifax Credit Report, a derogatory mark is listed for " XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX '' for {$100.00}. This company has been trying to collect this " debt '' from me for years. I have not had a XXXX account since XX/XX/XXXX ; however, this debt is listed as being opened on XX/XX/XXXX. 

When I switched internet services in XX/XX/XXXX from XXXX to XXXX, a final bill was sent to me and I was to return the company 's equipment. I returned the equipment to one of their locations and paid my final bill at that time. I do not even have the checking account I used to pay for this final bill anymore as I closed that a few years ago. 

I have previously had this debt removed successfully from my credit report, and now it has magically shown back up as apparently a brand new debt. The debt should not be there at all, but it should certainly not, under any circumstances, be listed as having been opened in XX/XX/XXXX. That seems particularly fraudulent and as if XXXX is trying to get around the previous removal of the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
First issue is mortgage company is " estimating '' entire taxes to be {$7000.00} more than what it actually is. After receiving this letter about the " estimated escrow '' we sent in a check to be applied to the escrow of {$2500.00}. Second, they are refusing to give the refund for the OVERPAID amount of escrow from the previous year. Third, ( currently ) the previous monthly mortgage payment is being put towards the bogus " estimated escrow '' and not classified as the monthly payment. This means they are now trying to charge me late fees and reporting that I've missed payment. As well as refusal to refund the OVERPAID amount I sent in to go towards their " estimated escrow '' .. 
On XX/XX/2019 I called about the inflated and false escrow issues. Was told to email all documents I received from the tax office and would hear back within 24-42 hours. As well as to continue to make " regular '' house payments by XXXX and that a request was sent about the escrow refund. On XX/XX/2019 I called back to followed up. Was refused when asked to speak to XXXX and was again trying to explain everything I already did before just for the man on the phone to seemingly not have a clue what I was talking about, but gave me an email address to send the current year and previous year 's tax documents to again.. When asked about the Escrow refund I was told that it would not be refunded and that it was put towards the interest. Again, on XX/XX/2019 I followed back up to only go through this cycle again, but with the addition of them applying the monthly mortgage to the escrow and not as the monthly payment ( even though the payment is mailed with the monthly statement payment stub ). 
I want our previous year 's escrow refunded. For the amount we over paid towards the current years " estimated escrow '' to be refunded and CORRECTED per tax documents. As well as a statement sent to credit bureaus to correct and remove the " late '' payment. For all other future payments to be applied correctly. And for monthly mortgage payments to be reduced to reflect the correct escrow and insurance amount.

Company response to consumer: Closed with explanation