vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened up a dispute through Chase Card Services on a XX/XX/19 charge of {$510.00} on my Chase Sapphire Reserve card, and it was recently denied, twice. 

The reason for denial was that XXXX, the merchant, stated the payment in question violated their user agreement, in reference to using friend and family option to pay XXXXXXXX user XXXX XXXX. 

1 ) XXXX XXXX, the recipient of the funds is a friend, and the payment was sent through means of friends and family, the payment method was valid, and not in violation. 

2 ) If there was a violation defined in the fine print that I was not aware of, XXXX user XXXX XXXX violated the paypal user agreement, not me. XXXX sent me the payment request, and I paid it. I did not initiate it. I am the victim, not the one violating the XXXX  user agreement. XXXX needs to be penalized for the violation, not me. 

The original claim I opened cited that XXXX XXXX reached out to me and needed money. I agreed to send him money, and he can work it off. I have text messages between XXXX and I after the payment was sent where he admits he is not going to full fill his obligations to me, and is going to pay me the money back. After many missed opportunities by him to pay be back, he stopped responding, and that is when I filed the claim. 

He originally sent me the XXXX invoice, and I paid it. He initiated everything, and if there are any violations of the XXXX user agreement it is by XXXX XXXX, the aggressor, not me the victim. 

JP Morgan Chase failed to represent my, their client and cardholder, in the dispute versus XXXX. I was mis-represented by the staff at Chase Cardmember Services, and I have incurred a loss of {$510.00}, that was more than recoverable, if Chase had given any effort to put up a fight with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: CA

Complaint narrative:
I paid off my loan in XX/XX/2017, XXXX XXXX showed I had a balance of XXXX cents. I paid a {$1.00} twice ( as that was the minimum amount allowed on their site ). I then tried paying {$5.00}. Each time the XXXX cent balance remained. XXXX XXXX   reported me late in XXXX, XXXX and XXXX of 2017 which was completely inaccurate as I had paid the XXXX cent balance and they showed {$0.00} as the minimum due. I tried calling XXXX XXXX numerous times for a correction and each time they refused and simply said their records were accurate yet I have the documents to prove otherwise. What is strange is they report accurately to XXXX  but not XXXX  or Equifax. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid off my loan in XX/XX/2017, XXXX XXXX showed I had a balance of XXXX cents. I paid a {$1.00} twice ( as that was the minimum amount allowed on their site ). I then tried paying {$5.00}. Each time the XXXX cent balance remained. XXXX XXXX   reported me late in XXXX, XXXX and XXXX of 2017 which was completely inaccurate as I had paid the XXXX cent balance and they showed {$0.00} as the minimum due. I tried calling XXXX XXXX numerous times for a correction and each time they refused and simply said their records were accurate yet I have the documents to prove otherwise. What is strange is they report accurately to XXXX  but not Experian or XXXX. Please help.

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 2019-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lake City Credit
State: TX

Complaint narrative:
XXXX hired a company to collect a debt that is 7 years old XXXX XXXX 2019 the company lied to XXXX in reporting that I made a payment on the account which I did not for it is due to drop off in XXXX 2018. please make them verify that payment or take off of my credit as soon as possible please. Due to unforeseen circumstances after I signed agreement with XXXX I lost my job and home burnt down. No payments were ever paid and they never reached out to me until now.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
On XX/XX/XXXX I received a phone call from ( XXXX ) XXXX on my personal cell phone. I didnt recognize the number so I didnt answer. They did NOT leave a voicemail. Moments later the same number called my work and women on the phone explained that she was trying to collect a medical debt. I explained that I can not receive calls at work and she needed to contact me at home. I then hung up the phone. She called back immediately and asked to speak to the HR department. I told her she was out of line and hung up on her again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was recognized " a permanent lifetime pension '' since XX/XX/XXXX,  according to the communication received from XXXX XXXX, XXXX. from the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  dated XX/XX/XXXX. I received my pension regularly until XX/XX/XXXX deposited in my account from the Citibank by XXXX XXXX XXXX XXXX 
However, the Citibank announced in the report of this operation : " Dear Citibank customer, please be advised that the mailing address for this deposit has been changed. Please instruct the sender to mail future deposits to : XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX MO, XXXX XXXX. '' Meanwhile my current address continued to be the same nowadays. When I asked to the bank about my account I was informed by Mr. XXXX XXXX ( actually Director, Citigold Market Manager XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX ) that my account had been reported to the Office of Unclaimed Funds Remittance Control since XX/XX/XXXX. When I claimed to The Office of Unclaimed Funds Remittance Control they answered last XX/XX/XXXX as follows : " A letter was sent to you on XX/XX/XXXX stating that we were unable to locate any funds belonging to you. 
Due to the age of the item in question, the bank was unable to provide any information regarding these funds. '' During this time I have also be affected and I lost my condition of resident of the USA and I have not gotten a US visa any more.

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 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian : calling the toll-free number to initiate credit freeze. Simply demands information be mailed to a XXXX XXXX in XXXX Texas. Experian is blocking consumer 's ability to effectively freeze their credit access.

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 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MA

Complaint narrative:
I have a no prepayment penalty mortgage. I closed XX/XX/XXXX. I have been paying extra monies every month to pay down the principal faster. In XXXX of XXXX I receive a notice that any extra monies I send in would be held until I paid enough monies to make a full payment. I telephoned immediately and explained that I did NOT want my money held to make a full payment ; I wanted my extra monies paid to be applied directly to the principal has they have been done since XXXX. In XXXX my extra monies were applied to the principal. 
When I went to pay my XXXX payment I noticed that the mortgage co did NOT apply my extra monies to the principal. I again telephoned customer service and was told that they would fix the issue and apply my extra monies paid in XX/XX/XXXX to the principal and they would apply the extra monies paid in XX/XX/XXXX to the principal. I called a third time 4 days later to be told that there was a delay in posting the extra monies but they would be applied properly. I just checked my mortgage account and the extra monies paid were NOT applied to my principal but used to make my XX/XX/XXXX payment!!! I have been charged interest on monies I have paid in advance!!! My mortgage co has illegally held my monies, charged me interest because my monies were NOT properly applied and lied to me!

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 2019-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I opened up a dispute through XXXX XXXX XXXX on a XX/XX/19 charge of {$510.00} on my XXXX XXXX XXXX card, and it was recently denied, twice. 

The reason for denial was that Paypal, the merchant, denied XXXXXXXX XXXX  claim.

Paypal stated the payment in question violated their user agreement, in reference to using friend and family option to pay paypal user XXXX XXXX. 

1 ) XXXX XXXX, the recipient of the funds is a friend, and the payment was sent through means of friends and family, the payment method was valid, and not in violation.

2 ) If there was a violation defined in the fine print that I was not aware of, Paypal user XXXX XXXX violated the paypal user agreement, not me. XXXX sent me the payment request, and I paid it. I did not initiate it. I am the victim, not the one violating the paypal user agreement. XXXX needs to be penalized for the violation, not me. 

The original claim I opened cited that XXXX XXXX reached out to me and needed money. I agreed to send him money, and he can work it off. I have text messages between XXXX and I after the payment was sent where he admits he is not going to full fill his obligations to me, and is going to pay me the money back. After many missed opportunities by him to pay be back, he stopped responding, and that is when I filed the claim. 

He originally sent me the paypal invoice, and I paid it. He initiated everything, and if there are any violations of the paypal user agreement it is by XXXX XXXX, the aggressor, not me the victim. 

XXXX is practicing unfair business practices, and ruling in the favor of the path of least resistance for themselves, not looking out for the better of their member/user, me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/2019 Synchrony reported to XXXX  that it had closed my amazon store card, I called on XX/XX/2019 to inquire why and the customer service representative informed me that it was because I had two returned payments, one for {$3.00} and one for {$5.00}. I informed her that the payment was returned because the bank account I used had changed my account and routing number, I also informed her that in the over 2 years that I have had the Amazon Store Card that I have NEVER missed a payment, and my account was still in good standing and even though though payments bounced back I still made {$40.00} in 2 separate payments to my account within 9 days and BEFORE my statement date ended and I had also met my minimum monthly payment LONG BEFORE the due date.

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 2019-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been denied any financing for my XXXX XXXX XXXX THE DEALER TOOK MY TRUCK FOR TRADE I HAVE BEEN STORING THIS CAR FOR YEARS ITS NO LONGER THE BANKS ASSET ITS MINE HERE IS PROVE SOME HIDDEN CONTRACT I NEVER SIGNED WANTS ME TO PAY OFF THE CAR OR ALMOST ALL OF IT THAN SWOOP IN FOR THE DEAL FORGET IT WISE GUY. WHO HAS THE TITLE TO THIS CAR AND REMOVE THAT FILTHY ADVERSE ACTION ON MY CREDIT REPORT ASAP I HAVE POSSESSION AND THATS THAT THE CAR ISNT WORTH ANY MORE THE LOAN OFFICER IS A CROOK AND I AM NOT GOING TO PAY THOUSANDS TO RIDE THE BUS WITHOUT NOTHING EXCEPT A XXXX XXXX DOLLAR ADVERSE MARK ON MY CREDIT OUT OF MY MY TRUCK AND CAR FORGET GET CROOKS THE GIG IS UP

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 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Date : XXXX To : Equifax Information Service LLC XXXX. XXXX  XXXX XXXX, GA XXXX From : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Strange Activities Verify my identity and current Address I am on a fixed income and I have spent approx. $ 20.00+/- via mailing/certified letters, by the way of mailing my ssn + Light Bill to Equifax. The last certified mail was sent XXXX, to XXXX. XXXX XXXX USPS certified, all has a clear copy of both documents requested. Either someone is taking the two main documents out of the envelop while at the USPS site or someone is taking the 2 main documents out at the Equifax office. If I did not verify my identity and current address, why did Equifax send me a Credit file dated XXXX when I talked to an Equifax Rep dated XXXX and after that I passed 3 different phone verification for identification. I received an XX/XX/XXXX Credit File because I was on the phone with Equifax XXXX. Equifax did not have a problem with me when I did a fraud alert XXXX living at the old address or when I open up a credit card with XXXX/XXXX  on XXXX and paid the account off with a XXXX  B only because I got mad with XXXX. I was over charged. As of XXXX, the XXXX-XXXX/XXXX  account is currently " Lock. '' You have my permission to ask that question to the company.

Who is pulling the strings to hurt me? SEE ATTACHED DOCUMENTS : 1. Credit File : XX/XX/XXXX Confirmation # XXXX 2. Credit File : XX/XX/XXXX Confirmation # XXXX 3. Credit File : XX/XX/XXXX Confirmation # XXXX 4. ssn document 5. Light Bill 6. Equifaxs letter dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX log XXXX Filename:XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I made payment arrangements on XX/XX/2019 with XXXX regarding a bill for {$30.00} a month beginning on XX/XX/2019 auto-pay for an outstanding debt. I received an alert on or about XXXX XXXX that my account was overdrawn. I contacted XXXX who advised me there was a glitch in the system that they do not know why the system somehow changed the due date which was to begin on XXXX XXXX.I asked XXXX to stop auto-pay that I would pay in person from now on. I then contacted SunTrust and filed a claim and asked SunTrust to stop future payments to XXXX that I ask they stop auto-pay. SunTrust filed the claim XXXX and SunTrust denied the claim stating services was rendered. I ask to rebut and sent additional information which was denied. SunTrust claims that XXXX sent documentation, but SunTrust did not forward the documents to me during the process nor after I requested it.In the rebuttal I told SunTrust the issues is not the service it was the fact that the merchant withdrew funds on a date that was not originally agreed on. Withdrawal of funds before the agreement date is one of the reasons SunTrust offered for a reason to dispute a charge. I do not see on my account that XXXX was actually paid anything from the overdrawn account, but I see an overdraft charge. I have two issues one XXXX debiting my account on a date note agreed on and SunTrust not paying XXXX and charging me an overdraft fee.

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 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: First Data Corporation
State: TN

Complaint narrative:
hello, my name is XXXX XXXX. in regards to this complaint, Ive been deposited a check from my new job at XXXX. The balance was XXXX on XX/XX/2019. Ive made several transactions, over the past few days. Ive done the math from all the transactions. I should have {$62.00} left in my account. please look into this i would like a refund of my money im unsure why it says i have XXXX balance. ive tried spending money for gas and my card declined. This highly upsets me, please help me resolve this quickly as possible. thank you for your time. This is my first time using a pay card ive never had something like this happen before. have a nice day.

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 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
After reviewing my XXXX, and XXXX  credit report 's I noticed a collection account being reported by a company called convergent outsourcing inc . I have no recollection of ever having an account with the company in question. After searching all of my files and records I was not able to find any records or documents connecting me with the company. 
On XX/XX/XXXX I reached out to the company per certified mail requesting documentation that would show proof that I did indeed owed the allege debt. The company responded by mail on XX/XX/XXXX by mail with XXXX different bills one for {$440.00} dated XX/XX/XXXX and one for {$180.00} dated XX/XX/XXXX and the other only ten days apart for {$340.00} dated XX/XX/XXXX. The company has several late and extra fees listed on the documents that were sent. I am reaching out for help to have this negative inaccurate account removed from my credit profile.

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 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I have a collection oh my credit report that I wasn't aware of and was part of identity theft from XXXX to XXXX in Texas  I've lived in Delaware  since XXXX of XXXX and can prove it someone has used my social security number and information either my ex-wife or someone related to her I'm thinking. I filed a complaint dispute with all three credit bureaus nothing has been resolved yet I'm trying to get this off my credit report it's {$450.00} or original creditor XXXX XXXX XXXX   XXXX  XXXX  XXXX XXXX  XXXX XXXX, South Carolina XXXX XXXX is the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize.I am a victim of Fraud and I am protecting my credit file as much as I can. Please delete the following account XXXX  XXXX XXXX # XXXX, XXXX XXXX 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 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Dispute on Partial Payments for XXXX and XXXX Mortgage : Servicer is currently reporting us delinquent for on our mortgage for XXXX and XX/XX/XXXX Both our bank account and the servicer are showing monies in constructive receipt for the months of XXXX, XXXX, XXXX and XXXX We believe this understanding was due to a coded unapplied payment posting on XX/XX/XXXX ( Circled on statement with N? ) and a strange recording on XX/XX/XXXX showing most of our payment going to principal balance of loan. We in no way communicated that we wanted our normal mortgage payment to be applied to the principal of the loan as is contractually spelled out in our mortgage. 
Further on XX/XX/XXXX at approximately XXXX XXXX  MST we called Servicer and spoke with an agent of the firm regarding this matter. The agents extension is XXXX. While on the phone with us, the agent of Freedom Mortgage acknowledged their mistake, took off as many late charges as they could based from their scope of practice ( service representative ), and promised they would fix the problem. On the call, they further instructed us not to pay any additional monies until the problem was fixed o This was done partially on the statements on XX/XX/XXXX but was once again registered as unapplied

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