vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-22 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.
State: NC

Complaint narrative:
On   XXXX   XXXX   XXXX     XXXX   XXXX    charged my debit card for  XXXX   XXXX   XXXX   for future publishing services to be completed by  XXXX   XXXX .   However, I was have n't communication issues in  XXXX  to  XXXX  when all communication stopped I requested my money to be returned in  XXXX ,  XXXX  and filed a compliant with the attorney general of Oklahoma.     I contacted chase bank in   XX/XX/XXXX /  XXXX   XXXX   XXXX   an d advised them that I never received the services that I paid for.   They denied my claim writing that they confirmed it was a good transaction. The transaction ( debit ) is not the claim. They are denying my claim without substantiating the validity of the claim. How can they do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Credit Adjustments Inc
State: FL

Complaint narrative:
I had a student loan go into default and in XXXX of XXXX, I went into a rehabilitation program with Credit Adjustment. They sent me paperwork and I signed all the paperwork and they have been taking payments since XXXX and they stopped in XXXX with no notification in writing as to why. In review of my bank account I realized the amount agreed upon was not being deducted this is when i called to the collection agency and was advised that I did not qualify for the rehabilitation program because they made a mistake. In XXXX XXXX, I was put through an approval process and I complied with all requirements in a timely manner, I was approved and the agreement was signed and everything was fine. I have spoken to them on several occasions about the problem with no success of getting them to honor the agreement. I have not received a definite answer other then the fact that she does not qualify. Why did I qualify in XXXX of XXXX and not in XXXX of XXXX? I have the signed agreement and all the paperwork from XXXX of XXXX. I just wants them to hold up their end of the agreement. I has completed everything they have ask of 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 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
I was offered a settlement from diversified consultants for a  XXXX   XXXX  bill. I paid the {$200.00} to settle the debt. They have not corrected my   XXXX   credit report. I have spoken to representatives of diversified consultants and  XXXX . My 1st dispute was submitted on  XXXX   XXXX   2017 with  supporting documentation. They did not correct the problem. I submitted a second dispute on  XX/XX/XXXX  and I received the results yesterday and the update has not been corrected. The report still shows a balance of {$87.00} due and instead of the account being closed it says placed for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Senex Services Corp.
State: NJ

Complaint narrative:
senex collection agencies has never notifed me of out standing medical debts they have me listed as derogatory on a ll   XXXX   credit bureaus  I have 100 % fullcoverage medical insurance Senex issue is with medical providers and not me the patient I have never recived an bill from them, additionally senex is trying to double bill, the medical provider was paid by insurance and now   XXXX   is attempting to recive additional monies!     they are unethical and hurting my fico score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and   XXXX   has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to keep my self protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.

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 2017-05-22 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: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
On approximately   XXXX   XXXX   XXXX   I made the required payment and extra. On   XXXX   XXXX   XXXX   I made another payment for   XXXX   XXXX   XXXX    , it was applied to the principal. I spoke with The company  Specialized Loan Servicing, LLC  representatives on  three  occasions about   XXXX   XXXX   payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX   XXXX     I reveiwed my credit report to discover that  Specialized Loan Servicing  list the account as delinquent for sixty days. I called the company again and the representative hang 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 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellar Recovery, Inc.
State: CA

Complaint narrative:
on   XXXX   XXXX   XXXX     i received an email from   XXXX   XXXX   stating my  credit score  has changed, stellar recovery had placed an account in collections lowing my  credit score   XXXX  points and lowing my fico score  XXXX  points.stellar recovery never contacted me about their ownership of this debt and that they were trying to collect on this debt, i never received a collection letter about this account, which never gave me a chance to dispute this debt before it reported on my credit report, violating the terms of the fair credit reporting act.I`m requesting this item be removed from my credit report a.s.a.p due to the mistake in the collection process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
Company is re porting on all  XXXX  credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was a victim of account fraud on my chase account. I contacted the police department when I noticed a  XXXX  transaction on my account that I did not authorize. I was in possession of my ATM card. The police went to the gas station where the transaction took place and they pulled the video surveillance and they were able to identify the suspect. The y have a warrant out for his arrest. I contacted my branch manager and he explained that I am insured and that the money would be put back in my account. Months later, Chase said they did an investigation and found that there was no fraud and took my money back out. My branch manager called the detective and provided the fraud depart ment at chase the police report number and the detective offered t o give then the video with time stamped proof of the suspect and provide written proof of the warrant. The fraud department refused to take the evidence even though I am supposed to be protected and insured. I am begging for help. I have any and all evidence needed. My branch manager was outraged at the way the fraud department handled  this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a IRS lien in the public record in  XXXX   XXXX , FL that has been resubmitted by the IRS with new totals and dates and Equifax refuses to update/remove this from my credit file .  XXXX    and  XXXX  have corrected the errors and have updated the IRS information ; but Equifax steadfastly refuses to update or remove this inaccurate information.I recently lost the opportunity to lease an apartment due to this inaccurate lien reporting on my Equifax report.  Equifax  is relying solely on a third party they use. (  XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: PA

Complaint narrative:
I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted Transunion and provided documentation of the undeliverable mail to them which they signed for  XXXX / XXXX / 17 . I asked transunion to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my  XXXX / XXXX /   17  report I pulled from my transunion account. I contacted transunion that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated  XXXX / XXXX /   17  from transunion due to my phone call and all of the old incorrect information is back on my credit report.

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 2017-05-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and   XXXX   has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to keep mysel f protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.

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 2017-05-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and  XXXX  has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to kee p myself protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
After submitting complaint #  XXXX  against Paypal, that company did NOT address what I complained. I expressed my big dissatisfaction with the response provided by  XXXX   XXXX   XXXX , who also mailed a letter to me with the same text. .CFPB should allow a follow-up instead of closing the complaint as in this case CFPB is not protecting me as a customer of a US company like  Paypal , w hich has thousands of complaints worldwide.   The restrictions to login continue in m y Paypal account and I can not withddraw the balance of   XXXX   XXXX  , for which I feel deeply frustr ated.    XXXX   XXXX   XXXX   XXXX  stated tha t US headquarters  can not assist me, and that is a shameful and evasive " wash my hands '' answer . Paypal emailed me a message in   XXXX   languague stating that they sent me a message inside my Paypal account, however as I have restrictions to login I am unable to read that interna l message!     Here is my feedback posted to CFPB after receiving  Paypals answer : Paypal did NOT solve at all the login problems originating this complaint. Paypal did NOT send me a detailed email response, which I was looking forward to receiving. The only thing Paypal did is to tell me that I have a message inside my account ... which I can not access : - ) so I am unable to read what they say ... I emphasize that I want to be able to login to my Paypal account so Paypal MUST eliminate the login restrictions. I   want to be able to withdraw the   XXXX   XXXX     balance in my account or at least  Paypal should do it but in any case I WANT MY FUNDS! Paypal has thousands of complaints worldwide and the authorities make nothing against their constant abuse! I see that thousands of accountholders have their accounts restricted by Paypal!!     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Paypal treat customers as stupid people  !! I can not bear this situation anymore!! In conclussion, Paypal did NOT address my com plaint!

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 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
XX/XX/XXXX  Monthly payment due ( Amt. {$1500.00} ) as of statement dated  XX/XX/XXXX . XX/XX/XXXX Payment sent via personal banking bill pay for {$1500.00}  XX/XX/XXXX  XX/XX/XXXX  payment was placed in a suspense account due to the {$190.00} XX/XX/XXXX  Notice sent that annual escrow was reviewed and the payment would be going from {$1500.00} to {$1700.00} ( increase {$190.00} ) effective  XX/XX/XXXX .
 XX/XX/XXXX In touch with customer service to inquiry why payment was not applied to the account and to explain the $   XXXX   monthly payment increase when property insurance amount decreased. This process took several days to get addressed. My payments were applied for  XX/XX/XXXX and  XX/XX/XXXX . (  XX/XX/XXXX  & XX/XX/XXXX  ).
 XX/XX/XXXX Received notice from credit bureau that a 30 day late was applied to my credit report which should have not been applied.
 XX/XX/XXXX - Mortgage Loan Statement amount has increased from {$1700.00} to {$1800.00} ( {$100.00} ) with no explanation again.
 XX/XX/XXXX Called in a request to remove the PMI from my account since my loan has met the 20 % equity rule.
 XX/XX/XXXX  NationStar sent a notice determining that since they have the late payment in  XX/XX/XXXX , I can not request the PMI removal for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Counsel, Inc.
State: NY

Complaint narrative:
On  XXXX / XXXX / XXXX  at  XXXX    XXXX   I called a debt collector to request information on a letter I received from their company post marked  XXXX / XXXX / XXXX  on a {$270.00} bill. After I gave them my name and account number the male representative told me in an aggressive manner, " you hav e 24 hours to pay the bill ''. When I asked for information on the bill he repeated very aggressively again " pay the bill in 24 hours, do n't play with him or else ''. I repeatedly asked if his company could give me information on the bill in writing, he was not compliant but after another attempt to obtain information from his company he asked for my email address and then he hung up the phone while I was trying to talk to him. During the time I was requesting info on the bill he continued to speak over me very loudly, stating " I had 24 hour s to pay the bill so do n't play with him. '' I never raised my voice during the interaction nor gave him any form of rude communication. The entire experience left me physically and mentally distressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: NJ

Complaint narrative:
XXXX  shows my account delinquent when in fact it has been paid via there web app, they said they did n't recive it in time.   this is not true they have issues with their app.

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 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I  applied for a modification with SPS Servicing , Inc. However,  I received a denial letter dated   XXXX   XXXX   XXXX     advising I am not eligible for any retention loss mitigation options. However, after reviewing the denial letter they sent me the income they used in determining if I am eligible for assistance is {$1200.00} however, that is not the income I provided. I provided a profit and loss in the amount of {$4200.00}. Therefore, I want to know how they arrived at a figure less than what I provided. Furthermore, I have an ARM mortgage with an interest rate of 7.40 % therefore, I find it unlikely that I can not qualify for a lower interest rate to help me save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
This is the second complaint we have filed against AAG Reverse Mortgage Company since XX/XX/XXXX ... after 14 months of trying to obtain this loan we still stand waiting on completion of the loan..we have not heard from anyone since XX/XX/XXXX ... we do not know what our status is or what is happening to our loan ... we have spoke mainly to XXXX XXXX, his supervisor XXXX XXXX and XXXX XXXX ( Loan Processor ) ..we have sent in all the information they have requested to close on this loan but yet after months and months of waiting we still do not know if we have the loan or not ... we have not received any letter or phone call telling us the status ... ..It 's taken so long that we have had to do 2 appraisals..we have spent about {$1200.00} to cover these expenses including survey ... .thank you for your help in this matter .... XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation