vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I attempted to secure auto financing from JP Morgan Chase Bank through a dealership. They said they required an unexpired XXXX XXXX in order to do this as I am a XXXX XXXX XXXX of the united states but as part of the XXXX process my expired XXXX XXXX was taken by the USCIS when they issued me with a passport stamp ( not just ink, physical indentations that make up the USCIS logo that would be very hard to reproduce ) in my Non-US passport that is considered the same thing as a XXXX XXXX which is good for a year. This same lender was willing to give me finance a year earlier in the same circumstances but with 14 days left until my XXXX XXXX 's expiry date ( I had a letter from the USCIS informing of a 1 year extension ) and gave me finance for longer than the term of my letter but in dealing with me this time they refused to give me financing terms for any time longer than the current stamp was valid. I believe it to be the case that they did not want to accept a valid form of the XXXX ( the exact name of a XXXX XXXX ) because they do not understand it and refused to work with me. As an XXXX trying to work and live in the US, how am I supposed to get to work and support my family if nobody will give me financing on a vehicle? I have been living in the US for 3 years now and this is the first time anybody has given me any kind of difficulty or discrimination based on their unwillingness to understand the XXXX process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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 disputed XXXX XXXX XXXX account numbers XXXX and XXXX many times and Equifax continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. The payment dates and late pays do not match between all three credit bureaus. Equifax is missing ontime payment info on account number XXXX for XX/XX/XXXX and XX/XX/XXXX payments were reported on XXXX and XXXX. And on account number XXXX missing on time payments for XX/XX/XXXX. Also on Equifax the dates XX/XX/XXXX and XX/XX/XXXX of are listed at XXXX and 180 days late but XXXX has them listed as 120 days late. on account number XXXX Equifax has dates XX/XX/XXXX and XX/XX/XXXX listed XXXX and 180 days late but XXXX has them at 120 days late. Inaccurate information is listed for these two accounts. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and they refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/XXXX. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both acccount XXXX of XXXX and the other XXXX they are both charged off the balance should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: TX

Complaint narrative:
I had a collection with XXXX XXXX which was paid they agreed to remove it from all three bureau, and it was removed but on XX/XX/2018 it was placed back on my credit file with Equifax, dropping my score 88 point, saying it was reported corrected by XXXX XXXX, ( per XXXX XXXX ) which XXXX collections stating that they have not reporting anything on me to no bureau concerning this account because this account is closed and no longer been collected on.. Equifax is reporting inacurute information on consumer credit report and not willing to fix the problem with your score plunged with a significant amount of points been lost on your credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am going to attach a copy of the investigation request my wife and I sent to Equifax on XX/XX/XXXX. Over thirty days have passed, and we have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have disputed this account several times with TransUnion, this item is past the statute of limitations and shouldn't even be listed nor was my dispute ever read or addressed per TransUnion response. TransUnion is the only agency listing this past the statute item. 

I'm requesting some help as there are so many inaccurate information. Date paid XX/XX/XXXX, but past due remarks after date paid. I'm requesting this be removed at once. XXXX XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX, XXXX XX/XX/XXXX date paid, please see attached as TransUnion never read or addressed several disputes to their agency.

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 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently submitted a letter to Equifax reporting agency to block the following companies in relation to Fraud. 
Company 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX In reciept of my letter submitted to Equifax on XXXX, the following documents were provided 1 ) Copy of my identity 2 ) Identity theft report filed with FTC 3 ) Fraud affidavit 4 ) Police report A written letter was sent to Equifax requesting that the Credit Reporting Agency comply with section 605 B of the FCRA, which requires them to block the fraudulent information in my credit file from the above mentioned companies resulting from identity theft within four business days. 

On XXXX I was notified by email stating my letter was received and I will be updated within 30 days. I called in to Equifax at XXXX A.M. CST XXXX to clarify that my letter was sent to request to block above creditors for fraud activity on my credit file. Explained that all documents has been submitted. Spoke with customer service rep ( XXXX ),  who informed me that it would take 30 days as well as email indicated. This complaint is to follow up with non compliance of credit reporting agency Equifax for section 605 B of the fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
During the month of XXXX and XXXX, I requested stop payments on my accounts. I placed a stop payment for a transaction to insurance company to be stopped. Chase charged me the fee but still allowed the transaction to occur. I asked for the transaction to be stopped because I need to get my mortgage paid. I advised I would contact my insurance company and make a different arrangement. I was charged the fee and it still wasn't stopped. Apparently, the next few weeks it was very difficult to try to get a handle on my account to pay my debts, feed my family, and pay Chase. Chase would take my deposits to take care of the negativity on the account, I understand that. Yet, I asked for 3 stop payments on my account on XX/XX/XXXX, it was a Saturday. The rep read me the script and advised I called in enough time to stop the payment. I even asked her to look further electronically in the account, she said nothing was showing. However, when Monday came all three transactions came out of my account. I was furious because this was going to cause major issues in my account. I asked for the fees back since they didn't honor there script or service. The script says as long as I call before XXXX pm the transactions would be stopped. Nothing showed on Friday or Saturday of the transactions pending. Yet, I was told since it was pending to hit my account on Friday, they couldn't stop it. Also, Saturday is not considered a business day. NO ONE SAID THIS ON THE SCRIPT WHEN I ASKED ABOUT THE STOP PAYMENT. As a result of the stop payment not going through, I am negative over XXXX. Chase only wants to pay back there fees. I don't feel I should have to pay the full amount, I have paid XXXX per week faithfully but now they will not extend the account to allow me to pay what I can afford. I only make XXXX a week. They want to send to a collection agency. I feel like I am being bulldozed over by this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America routinely manipulates the timing of debits and credits in our account so that checks we write clear just before direct deposits are credited to our account. This happens on the date of our monthly payday regularly. Nearly every month, we are charged an insufficient funds fee no matter how closely we manage purchases and checks written. 

I notice that Bank of America offers no way to make a complaint in writing when one attempts to register one online. One must first attempt to resolve the issue via phone. Among other things, this means there is no opportunity to establish a written record of the complaint. 

I seek the refund of insufficient funds fees that have been assessed on numerous occasions entirely because of the bank 's bad faith practices.

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 2018-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was XXXX over seas and had no access to a computer to pay my bills so i set up a auto pay for an account but it didn't go thru and by the time i got back in the country it was to late to correct and they would not help me even though they said the auto pay should've gone thru.

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 2018-06-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: TX

Complaint narrative:
We paid cash and closed on XXXX acres of land with closing agent XXXX XXXX at XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX, Suite XXXX, XXXX , TX XXXX on XX/XX/2017. We were guided to this title company by the Listing Agent, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX TX XXXX. 

One month after we closed, we deeded half the property to our son and daughter in law and we each received applications to renew the ag exemption. When I called to tell them there was no such exemption our nightmare began. As the State of Texas Qualifiation Requirements state, " Acreage Requirement : the State of Texas has set a minimum of 5 acres and a maximum of 20. '' The first page of the closing affidavit states there was NO ag exemption. We were not told prior to or during closing that there was an ag exemption on the property We were not given a Tax statement at closing that would have indicated ag exemptions. We were not given the opportunity to negotiate that. Because of the minimum acreage requirement to even have ag exemption it should have been brought to our attention at closing. 

We are being charged over {$4000.00} for rollback taxes that we don't believe we should be charged for. 

XXXX XXXX at XXXX XXXX XXXX doesn't return my calls. We were denied the claim we filed with the XXXX XXXX XXXX. 

With everything that has transpired we had no reason to even question ag exemptions at closing. 

In addition to all the above, all of our closing documents state the property is in XXXX XXXX Texas but we have since found out it is in fact in XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One blocks third parties from accessing my accounts even with my permission. Capital One would not help me with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
This complaint is not a duplicate. There is ftc identity theft report attached to the complaint regarding Helvey & Associates. XXXX XXXX XXXX is willfully reporting a fraudulent items my XXXX, XXXX, and XXXX   report. The account is for XXXX XXXX. The marking of duplicate status by the creditor demonstrates failure to undergo proper investigation and avoidance of the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I made all my payments on time using the companies website but one month i got notice 30 days later that they never received the payment and that a 30 day late payment was on my history. This was not my fault because their website showed that they received the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: LENCO FINANCE OF CARENCRO, INC
State: LA

Complaint narrative:
On XX/XX/2018, I received a XXXX title loan from Lenco Finance. Extra charges were applied for credit life and accidental death insurance ... I asked if the loan was paid out early if I would be penalized. The answer was no and I would get credit for the unused portion of insurance. On XX/XX/18, 5 days later, I called for a payoff. They gave me a total of XXXX. I questioned the amount being so high and asked if I was getting credit for the 2 insurances they added to the loan and was told I was getting credit. I called the insurance company to inquire on what the refund would be and was told that I had to request a cancellation through the loan company and they would reimburse me the money. I called Lenco and asked for a printout that showed a breakdown on how they were calculating the payoff amount and was sent a printout that only showed the amount of XXXX as payoff. No indication of how this amount was calculated. I know it was a high interest loan but I knew I would be paying the loan off early to avoid the high interest charges. I understand that I incurred some fees but do not understand how they calculate that I owed them XXXX for a XXXX loan that I paid off in 5 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX I attempted to make a purchase online with my card my balance available is XXXX the company will not process the payment for reasons unknown this is not the first problem encounter XXXX with Netspend my card was cancelled without my permission playing my direct deposit if my income taxes for a month The card was sent to the wrong address so I had to wait for another card from Netspend I paid XXXX XXXX and the money deducted from my card but XXXX XXXX never got the payment

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 2018-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Credit card company refuses to reveal the factors that determine how a secured credit card is changed to an unsecured card. Customer service insisted that this is patented process that can not be reveled to the public.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Virginia charges a XXXX XXXX interest rate on my title loan. This is insane! I've had the loan only 2 months. The principle amount is only {$2000.00}. I will NEVER pay this off at XXXX XXXX. 

Consumers need to be protected. Shut down XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I have been monitoring my credit for a while now. Some time ago, I noticed a collection regarding XXXX XXXX ( then reported by a debt collector called XX/XX/XXXX ) that was reported as owed by me, in error. I disputed it as such and it was deleted. 
Now, I come to see that in XX/XX/2018, AFNI started reporting the same debt ( still shouldnt exist ) for XXXX XXXX. What is the point of working to get erroneous collections removed if new companies are just going to start reporting them the second another is fixed? If it wasnt legitimate then, it isnt legitimate now. I did explain this in a dispute to AFNI via XXXX ; AFNI apparently verified their information reported to XX/XX/XXXX was accurate. I do not see the account as even so much as being reported disputed by AFNI. I have made two other disputes without any result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I started the modification request process on XX/XX/XXXX. After months and months of delays by Shellpoint ( including no response, repeated requests for same documents and etc. ), I finally received verbal and written confirmation ( see letter dated XX/XX/XXXX ) that the file was complete and was being submitted to underwriting. I then received the letter dated XX/XX/XXXX stating it had been denied because I haven't provided the documents requested!!! I called and wrote a complaint to them asking how it was possible that after finally acknowledging that it was complete on XX/XX/XXXX, could they send me a denial on XX/XX/XXXX based on incomplete information. They said they would respond within XXXX days. When I didn't hear back from them within XXXX days, I followed up. I then received a letter stating they would respond to THAT within XXXX days. I then called them and they said because so much time had elapsed, I'd have to start the process over!!! I explained to the representative and then to the the XXXX that I was waiting for a response as to how they could possibly decline for being incomplete when they acknowledged that it WAS complete. They said they would escalate to management and get back to me. That was several weeks ago and I haven't heard back from anyone! Now the XXXX XXXX sale is scheduled for XX/XX/XXXX and my family and I risk being evicted. PLEASE help me in getting them to respond to my modification request. I want to work out a payment schedule and try to save my home. 

I have attached the pertinent documents but certainly can provide anything else you XXXX need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RAB PERFORMANCE RECOVERIES, LLC
State: NJ

Complaint narrative:
1. I am not certain what or how I came to owe this company.

2. The address listed in the complaint is more than 20 yrs old XXXX XXXX XXXX XXXX, XXXX NJ and the filing date was XX/XX/12 at which I was at my current address at XXXX XXXX XXXX XXXX XXXX, NJ XXXX 3. I have tried to contact this company but can not pin down a viable telephone number or address.

4. This was filed in XX/XX/2012 and I filed for Bankruptcy on XX/XX/2012, so it should have been included, but does not appear except some where of public servers.

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