vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX maybe- Mortgage was orginally with Chase Mortgage XXXX and in maybe XXXX asked for Modification and while paying what I was told for months and months was told was not approved. Was told catch up 10 months of partial pmts and I said couldn't and was told will put at the end of the loan. then in maybe XXXX or XXXX was sold to XXXX XXXX XXXX ac XXXX when I asked about the payoff to refinance with XXXX was told I owed XXXX and was told still owed 28 years on my loan and it was orginally refin XXXX so had paid for 16 years and was only a 30 year loan how could that be. Unfortunatley Select or Chase will send me any documation tell me why? I did not ask for any changes only the 10 months of rears partial payments at the end. So how a 30 year loan and paid on for 16 years and should only have 14 years left on it changed to 28 years. The math does not work Select said Chase sent it over like that but should not be correct and also paid select for 4 years so makes no since. Chase will not even speak to me said sold loan has no ducuments? If your not the person to help please tell me who. Never refinanced after Chase until last week and never asked or signed to be re-ameratized. 
XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/2022 at XXXXXXXX XXXX XXXX XXXX XXXX and discovered that EQUIFAX at XXXX XXXX XXXX in XXXX, GA XXXX placed a fraud alert on my credit report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
15 U.S.C. 1681 Section 602 states a consumer agency can not furnish an account without my written consent In accordance with the fair credit act these companies listed violated my rights! 

Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My complaint is with Capital One ( XXXX XXXX XXXX ). This is a XXXX part complaint : I had a balance of {$2300.00} at the end of XX/XX/2022. I PAID the FULL balance online yet Capital One didn't apply payment until after XX/XX/XXXX, incurring an additional {$50.00} interest/finance charge. So I IMMEDIATELY paid that {$50.00} and low and behold my XXXX statement comes and they are wanting {$10.00} fee for XXXX BALANCE!!! 

So on XX/XX/XXXX I called Capital One to cancel/close this account and had to go through a supervisor by the name of XXXX ( XXXX XXXX XXXX ) who was sarcastic and belittling. 

I'm contacting you first and the Minnesota Attorney General next as these are unfair practices and need to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Credit Union Mortgage Association, Inc.
State: DC

Complaint narrative:
I took out a mortgage loan with the XXXX XXXX XXXX XXXX for my mortgage on XX/XX/2021. The loan is serviced by the Credit Union Mortgage Association [ XXXX  ]. In XX/XX/2021 XXXX  began overpaying taxes due to Washington DC by several thousand dollars. This resulted in a negative balance for my escrow account and a significantly positive balance on my tax account with the District of Columbia. Due to the way the District of Columbia Office of Tax and Revenue accounts for overpayments I am not entitled to collect this overpayment myself. Only the organization or individual that made the payment may claim the refund for overpayment. To make up for this incorrect overpayment XXXX has increased the amount of my mortgage due each month from {$1800.00} to {$3200.00} ; a sum I definitely can not pay. I am in severe risk of losing my house because of this improper accounting by XXXX. Despite pointing out the issue and providing documentation of the overpayment XXXX has made no effort to correct the error, refund the overpayment, and recalculate my mortgage payment back to what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
Fox Collection Center is reporting accounts to the credit bureau that do not belong to me. I asked for validation of the debts that they were reporting and they all sent back statements with the WRONG address on XXXX out of XXXX of them that I have not resided. I gave them 30 days to validate, I demanded removal and they stated they dont report addresses. However, they are still reporting accounts to my credit file that hold addresses that I have never been associated with. How can they keep reporting a debt that doesnt even have correct information? This is unfair and scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: PA

Complaint narrative:
I'm being harassed with numerous phone calls regarding a debt I didn't know I had by, Wakefield Associates, and XXXX. There's hasn't been any form of validation of the debut, or contract. The collections were reported to all three credit Bureau 's resulting in my credit score declining over XXXX points. I wasn't warned, nor notified prior to the collections reporting. I would like for the collection agency to remove the collections and also stop harassing me via phone. The amounts for Wakefield associates is {$760.00}, and XXXX {$180.00} and {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXXXXXX/ {$210.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: AR

Complaint narrative:
Debt Recovery Solutions XXXX XXXX XXXX XXXXXXXX NY, XXXX XXXX I filed a dispute with the above listed company asking for a copy of a signed HIPPA form by me. If they couldn't produce it they would be in direct violation. They have not responded or sent me a copy. They reported a duplicate collection on my credit report of {$220.00}. Rather than simply responding they intentionally reported a duplicate collection on my report to further prevent me from getting funding. That is a clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In Accordance with the credit Reporting act XXXX Account # XXXX And also XXXX has violate In Accordance with the credit Reporting act XXXX  Account # XXXX has violated 15 U.S.C 1681 section 602 A. states 1 have the right to privacy 15 U.S.C 1681 section 602 A. states 2 It also states a consumer reporting agency can not finish a account with out instructions

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
15 U.S.C. 1681 Section 602 states a consumer agency can not furnish an account without my written consent In accordance with the fair credit act these companies listed violated my rights! 

Credit Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
15 U.S.C. 1681 Section 602 states a consumer agency can not furnish an account without my written consent In accordance with the fair credit act these companies listed violated my rights! 

Credit Inquiries XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I sent a debt validation letter via certified mail they received on XX/XX/22. This company has failed to validate my debt. please delete this information from my credit file and cease all collection activities immediately.

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 2022-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
I have several private student loans with this company. I have already used all my deference and forbearance options due to financial and illness in the past. I am getting my life back on track and am in a better position to start making bigger payments. However, trying to work with this company is IMPOSSIBLE! I have tried every way under the sun, even a BIG deposit offer and they WOULDN '' T tell me how much my payment would be afterward!! The rep would not even say, let me check with my supervisor and someone will get back with you. TERRIBLE customer service. In XX/XX/XXXX, they let me make 1 final payment towards my forbearance. On XX/XX/XXXX, they received another XXXX request and it has been in processing since then, this is XX/XX/XXXX. PAST NEXT PAYMENT DUE. I contacted them via CHAT on XX/XX/XXXX, 3 days before payment due date. Nothing could be done... .There is no way I can pay {$1700.00} per month! In XX/XX/XXXX, payments were {$1200.00} per month, thats when I received the last forbearance. WOW, jumping {$500.00} in 3 months!! I have been working with them off and on, via message or phone call since XX/XX/XXXX to try and get my payments down to a manageable monthly payment. Phone Calls were made to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, plus the many chats, and messages. I have tried refinancing and there is no company that will refinance this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 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: FL

Complaint narrative:
In Accordance with the credit reporting act XXXX  Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX  XXXX XXXX 2XXXX XXXX  XXXX  3XXXX XXXX  XXXX  4. XXXX  XXXX  XXXX 5.XXXX  XXXX  6XXXX XXXX 7.XXXX XXXX  XXXX  8XXXX XXXX  XXXX 9XXXX 10XXXX XXXX 11XXXX XXXX 12XXXX 13XXXX XXXX  XXXX 14XXXX XXXX 15. XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
I was aggressively pursued by a deputy who came to my place of employment to serve me with papers for Debt owed that I am unaware of or the Debt owed is well beyond the Statues of Limitations for the State of LA ( 3 years ). XXXX XXXX is stated as the company owed in the papers received with XXXX Attorney, XXXX collecting the debt on their behalf. 

I have never been contacted or received paperwork in the past to indicate this debt was owed yet I have been humiliated in front of my fellow coworkers by being served by a Deputy I have in the past deputed with 3 Credit Bureaus the information on my record only to be harassed by the 3rd party collectors who are collecting for these companies. 

The paperwork ask that I ay {$7400.00} plus 5.75 % interest from the Date of Judgment - XX/XX/20 plus 25 % principal and Interest and all court costs subject to a credit of {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
After receiving my direct deposit pay on XX/XX/2022 from XXXX I have been watching my every day balance cautiously on my account according to whats being spent and it has not been adding up to what it should be. I see less money than it should be. This recently just happened and I check via Citis app on a daily. Overall calling Citi bank about any issue, the bank can hardly resolve any concerns. I still havent received my savings atm card yet that I recently just opened. I will attach what I do see and have for my daily balance, this is reflecting on the app and their website. None of it is adding up. It should be corrected and I wish for someone to contact me. This is my only account that I do use.

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 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc.
State: NC

Complaint narrative:
In 2016 I contact a company by the name of XXXX after hearing a radio ad that this service could help negotiate lower rates on utility services/phone bills, etc. I was struggling financially at the time and filled out my information online to see if they could help reduce my bills. It was not disclosed to me ( or hidden in small print ) that they could arbitrarily make decisions on my behalf and charge me an undisclosed amount for doing so, with no opportunity to accept or reject the offer. XXXX supposedly negotiated a discount with XXXX XXXX XXXX  that I never actually received, or only received temporarily and then it stopped - yet XXXX arbitrarily charged me almost {$400.00} for this " service, '' with no opportunity to decide whether or not I wanted to proceed. XXXX repeatedly asked me for passwords, and continued to contact XXXX XXXX XXXX after I asked them not to. I ended up having to cancel my XXXX XXXX XXXX service altogether because of this repeated headache and received no benefit from XXXXXXXX XXXX deceptive service, which in every way is a UDAAP violation. I received no clear disclosure about what I was to be charged and did not agree to any terms ; there is no signed agreement. 

Now, years later, a collection agency by the name of Merchants & Professional Collections has put this account on my credit report. I have disputed the account and was provided no validation of the " debt. '' They just continue to validate it with no basis. I do not owe this company anything and placing this account on my credit bureau 6 years after any interaction with this company in an attempt to collect ( even if I owed it, which I do not ) is not legal as a debt buyer as the statute of limitations is up. I want this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX, I tried to make 2 deposits on the Chase ATM located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MO. The first one is {$2000.00} and it was successful. Then I continued to make the second {$2000.00}, consisting of XXXX {$20.00} bills. But this time, it showed on the screen something went wrong and I need to call the bank. After that, the receipt was printed out and I found only the first {$2000.00} shown on the receipt and my bank balance. But the ATM didn't give back my {$2000.00}, it ate my second {$2000.00} deposit and the ATM machine also stopped working. It showed " right now, this ATM can't ACCEPT CASH DEPOSIT, ACCEPT cash payments, Dispense cash ''. I know there is something wrong with the ATM 'S cash system. I called the bank and the representative kindly told me it was not a big deal and the money will back to my balance. The next day, I checked back the ATM and found it was back to normal. I think someone must come and got it repaired. I continued to wait to see my balance be updated but when I called in today, I am so surprised that the bank denied my claim. 

They sent out a letter that said : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 

But I deposited {$2000.00} twice, a total of {$4000.00}. I only saw the first {$2000.00} in my account now. The claim number is XXXX. 
I thought it should be a easy case since at least there is a monitor the Bank can see me putting {$2000.00} twice into the ATM machine and didnt get my money back after things happened. FYI, I was in a car when I made the deposit. Also, I took a picture that showed the ATM was down and can not process my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX is trying to get paid for an account that I paid in full when i recieve the first bill. 
They sent me a letter that I own {$240.00}! This is false beacause I paid my bill in full and I have proof of this payment. They try to ruin my credit reports record!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc

Complaint narrative:
Hello I'm having troubles with PayPal. I was having an account from 2018 and when i decide to reuse it and update my Informations there, I noticed that i can't change my address or add my company details. 
I Contact the Support team, they said to me to close it and reopen a new one, that's what i did. 
and when i Create the new one a found it immediately limited without any reason, i send them my ID card, my company papers. the girl on support team told me that she send a notice and they will open it for you but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
I sent a letter XX/XX/2021 asking them to validate the debt for this collection account reporting on my credit and I never got any response at all. Per the FCRA the debt is automatically considered invalid, if it is not responded to within 30 day and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
I had a joint account membership with XXXX  and needed it to be cancelled so they agreed to cancel my membership after a remaining balance of {$57.00} was paid but after it was paid they continued to charge my card which was switched to a card that didnt work anymore which is fraudulent because I didnt authorize them to and my membership was cancelled at this time see the screenshots of the emails I attached to see proof of them confirming that the account was cancelled you can not charge someones card who doesnt have a membership with you anymore that is fraudulent and should not be showing up on my credit

Company response to consumer: Closed with explanation