vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
When I signed the closing documents for my new home, my mortgage of XXXX included XXXX/month for property taxes and mortgage insurance. My property taxes were incorrectly appraised and did not take into account the property taxes of similar new homes in the neighborhood. I just recently received notice that I now owe XXXX by XX/XX/2020 AND that my mortgage payments will nearly DOUBLE to XXXX which is also due within the next 30 days by XX/XX/2020! I had not received any prior notice that the property taxes were behind and I certainly can not pay these amounts, especially within 30 days! According to the recent statement from my escrow account, I will still be behind by over XXXX for all subsequent years. If the correct property tax estimates and amount of mortgage ( XXXX ) was disclosed during closing, this would have at least provided me the opportunity to walk away from the deal. I have essentially signed a false and misrepresented contract and will soon lose my home as a result of the incorrect escrow appraisal. This practice should be illegal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Securus J Holdings, LLC
State: OH

Complaint narrative:
The company that I'm reporting is Jpay ( www.jpay.com ) ( jpay in the app stores ). They work with Correctional institutions to provide services to XXXX. Our family, or by our own, places  money into a trust account which can be used to purchase goods on their " store ''. In the store you can purchase various items, like music and/or games. 

Routinely, the games they have in their store are flawed and do not work. When this is reported, it is ignored and the company routinely keeps the funds without processing the trouble tickets for refunds.

I purchased at least 6 games that do not function and jpay  refuses to refund my money. While this is happening to me, it is systemic and is happening to every XXXX that uses their system, which is just about every Ohio XXXX. 

I welcome any opportunity to have this matter corrected. The company routinely ignores complaints to the XXXX XXXX XXXX  as they have a contact with the Ohio Department of XXXX and XXXX and simply do not care about  being reported because of the secured income. Equally, XXXX  have no other option, were secured consumers without anyone to help. 

My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX ( XXXX  Number : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: WA

Complaint narrative:
Dates XX/XX/XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX. 
Amount {$1600.00} Date of Medical Service ( s ) : XX/XX/XXXX This is a SCAM claim against me. I have no idea about this provider and had never been to this provider. The date of medical service is bogus which my location at that time wasn't in New Jersey. How come this company is trying to claim that I have unpaid debt. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Please provide any necessary documents that will prove this account or debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I am writing in response to the enclosed letter from Citibank concerning my request to increase the revolving credit limit on my Citi / Advantage Executive Wold Elite Mastercard. The letter states Citibank is unable to approve the request because when reviewing your account history with us, we saw a bankruptcy and/or charge-off on a Citi issued credit card. 
I have no history of bankruptcy or charge-offs with any debtor. I have conducted a review of information being reported by the credit bureaus and confirmed no derogatory information is reflected on my credit reports. I assume Citibank is basing their decision on information contained internally at Citibank. 
I have contacted Citibank Customer Service and was advised that they have no way of initiating an investigation to correct potentially erroneous issues as this is an automated system that makes these decisions.

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 2020-03-04 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: Client Services, Inc.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a 3rd party debt validation letter to Client Services , Inc. requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated to it. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Client Services , Inc. has failed to validate this alleged debt within the ( 30 ) day allotted time frame as pursuant to 15 U.S.C section 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
On XX/XX/2016 I purchased a XXXX XXXX hybrid. Every payment was made on time never any issues. However on XX/XX/XXXX the car was totaled. The insurance company paid the remainder balance. The insurance company took long than expected and since I am still liable for the loan the late payment was reported to the 3 credit bureaus. I spoke with Honda financial and they said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: NY

Complaint narrative:
Hey I was looking at my XXXX  XXXX  and noticed my old XXXX XXXX   card that I made a settlement with them I believe in 2018. I do not owe them {$2100.00}. 

I am looking for this to be solved and corrected. Any questions please feel free to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hey I was looking at my XXXX  XXXX  and noticed my old td bank card that I made a settlement with them I believe in 2018. I do not owe them {$2100.00}. 

I am looking for this to be solved and corrected. Any questions please feel free to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: MD

Complaint narrative:
In XX/XX/XXXX, I filed chapter XXXX XX/XX/XXXX it was removed after seven years. In XX/XX/XXXX equifax put it back on my report under the same docket # as a chapter XXXX. The law is clear under the FCRA. The credit reporting agency has the responsibility to report 100 % accurate, complete, and verifiable information on my report. I sent them proof and they still refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: NV

Complaint narrative:
I already have this issue with my credit report especially Equifax for more than a decade ago regarding my sister 's identity ( ie. name, SSN ) and my identity are all mixed up and also the fact that is my twin sister with same date of my birth. First, I asked for help from XXXX  XXXX XXXX back in XX/XX/XXXX to dispute my credit report from my twin sister. After 5-month period of disputing, the legal service sent me a letter that I had to sue Equifax for not responding as next step however first, I had to check the proper procedure before filing small claims. 

I don't have the exact timeline after legal service. I went to see my loan officer around XX/XX/XXXX and told about this dispute case. The officer talked to Equifax on behalf and after the conversation, I was provided by officer the procedure of sending ( via mail & fax ) my proof of identity even my twin sister 's identity. During the timeframe until XX/XX/XXXX, I had been calling Equifax 3 or 4 times to provide my identity via phone and sending them my proof of identity even my twin sister 's identity ( via mail & fax ) over and over again as a result of my identity questions from Equifax support with my responses didn't match to their system. They also promised to send me letter for my dispute claim however I never received letter even to my twin sister 's end didn't receive either. I signed up on Equifax back in XXXX to track my credit score then after, I can not login to my account due to, I assumed, the mixed credit report between my twin sister and me. 

So now I'm here to file a complaint against Equifax after the attempts to follow procedure on how to dispute and Equifax gave me headache for more than decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not  relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 two transaction for XXXX were made at a XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX. I was in XXXX California at the time of the transactions i received a text notifying me that fraudulent transactions were made. i contacted the fraud department they told me i would get my money back right away. Then they told me it would take 10 days. on the XXXX they sent me a letter saying the transaction were made with my pin and i wouldn't be receiving my money. I looked at my account and they had changed the price of the transaction from XXXX to XXXX dollars. 

They are refusing to give me my money and harassing me with XXXX and XXXX  language on the phone. 

Transaction on my debt card show i was in XXXX at the time of these purchases.

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 monetary relief
Consumer complaint received 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT*** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT*** )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
HI. A few days prior to XX/XX/2019 I called chase to pay up my balance in full from my XXXX statement that was due XX/XX/2019. On XX/XX/2019 I was overseas and was tight on available funds in my account and therefor made a payment for the minimum payment due. It was the first time in all my years ever doing that. I have always been careful to only charge that which I can pay in full. I also asked the rep to charge me in full for my balance for the upcoming XXXX statement, thereby bringing my account to balance to XXXX. My unpaid balance from XXXX was approximately XXXX less the minimum payment of {$35.00}. My current statement balance at the time of the call was {$2100.00}. I paid a total of {$5600.00}. On XX/XX/2019 that amount was debited from my XXXX XXXX XXXX  Account. On XX/XX/2019 I got an alert from XXXX XXXX that my checking account was on overdraft. Knowing that I had sufficient funds to pay for my current expected expenses, I checked on my account as to what was overdrawn. I saw a pending charge from Chase Bank for {$5600.00} ( .11 interest charge ). I called Chase to inquire as to what the charge was about. They informed me that on XX/XX/2019 during a call to Chase where I requested a card downgrade, I also gave permission to have an automatic payment set up for a future date of XX/XX/2019, for my balance at that time of {$5600.00}. I have no recollection of ever requesting or agreeing to an automatic payment. In the event that I had a senior moment and did agree, which is quite shocking because why would i then call in a week prior to make the payment by phone, there was still a XXXX balance on my account on XX/XX/2019 when they made the charge. I questioned the rep and the supervisor as to why they were charging a XXXX balance account a previous balance amount. I was told that because when I agreed to the auto payment I didn't make a verbal condition that if the balance goes to XXXX they shouldn't charge me, they said they have every right to charge me. They said they cant do anything to credit me the overdraft fee from my bank and can't stop the charge because it is pending. They were very cold and hung up the phone on me before settling with me. I contacted XXXX who said they will remove the fee and won't process the charge because there isn't available funds. I just received a charge from Chase on my next statement for {$27.00} for the return payment fee for a return payment on XX/XX/2019!!!! I would like to know if Chase acted Legally and Lawfully. 
We placed a complaint on XXXX  and Chase is wiping their hands clean stating that the didn't do any error because I scheduled a payment they had permission to make a withdrawal. They say they are not responsible to clear the balance when a payment is scheduled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a 3rd party debt validation letter to Midland Credit Management requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated with the account. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Midland Credit Management has failed to validate this alleged debt in the allotted ( 30 ) day time frame pursuant to 15 U.S.C 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04 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: LEXISNEXIS
State: MD

Complaint narrative:
In XX/XX/XXXX, I filed chapter XXXX XX/XX/XXXX it was removed after seven years. In XX/XX/XXXX XXXX  put it back on my report under the same docket # as a chapter XXXX. The law is clear under the FCRA. The credit reporting agency has the responsibility to report 100 % accurate, complete, and verifiable information on my report. I sent them proof and they still refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC
State: CA

Complaint narrative:
My wife recieved our mail for the day on XX/XX/XXXX and found a letter from Recovery Partners , LLC. stating we owed {$14000.00} for providing invalid insurance information or simply didn't resolve this debt with a XXXX XXXX XXXX XXXX which I have never dealt with or heard of until I received this letter. This is about an accident I was involved in on XX/XX/XXXX. However, I contacted my insurance company about this and they have no idea why I would have received this letter. The claim is still open as the other party 's insurance company hasn't contacted mine and are still in the process of closing the claim out fully. How can I not have provided valid information for insurance when my insurance is still handling the claim as im writing this complaint? This seems a flat out scam or immoral business practice in order to scare people into blindly paying off debt which they may not even actually owe. Once again my insurance company has not informed me of any issues with the claim or the possibility that I would have to pay a cent out of my own pocket.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
In XXXX I was happy because my loan with Gm financial was coming to an end. I contacted company asking for balance. When I check website it says. No payments are due. But a balance of XXXX was still open. Based on my payment records I have make all payments. I contacted company again asking for explanation on the balance. The company ignored my emails and never responded. I kept contacting and nothing. Finally the company decided to pick up my car, I had to pay XXXX usd to get the car back which I did the same day and they reported to credit bearau. Based on the fair credit act I am entitled to an explanation of the amount owe which Americredit / GM financial ignored. Now I am still marked negative on the credit reports all because they did not want to explain the amount owe. As today I still do not know why I had to pay XXXX more after paying my loan for 6 years.

Company response to consumer: Closed with explanation