vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX/XX/XX/XXXX my debit card was stolen while on a work trip in XXXX, New York In addition it was my contention that the thief was able to get my PIN. That thief, used the card throughout the XXXX XXXX XXXX area, charging up almost {$3000.00} dollars at 30 various different drug stores over a 3 hour period, making cash back purchases in small increments on average of {$50.00} dollars. I reported the fraudulent charges to the bank as soon as I became aware, as did my wife who is joint on the account. I filed a police report in XXXX XXXX XXXX and XXXX XXXX, CA, my place of residence. Upon review the bank rescinded the credits to my account and stated their judgement was based upon inconsistencies with my and my wife 's statements. As i mentioned to the back, I was not aware of how it was stolen, but merely giving them suggestions on who might have been the perpetrator. The bank investigators did n't not put forward a good faith effort to follow up on this claim, nor did the bank hold up their fiduciary responsibility to protect my debit card from this clear fraud while it was happening. Furthermore, while I still have an active police investigation, the bank has already rendered judgement. This matter will be resolved in civil court if I ca n't get the protection of the Bank in regards to my FDIC protected money. I wish to report the bank, the claims department and its management for gross negligence in this matter and I hope the CFPB can help me gain protection from a banks disregard for its primarily responsibility to protect my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I never got anything to show validation of debt when I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax continues to report inaccurate information that has bee n discharged a nd no longer can report on my credit file. The other  XXXX  bureaus has removed the items, Equifax continues to report the information after sending each bureau the exact same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I am located in XXXX XXXX County, FL, I have an auto loan with American Credit Acceptance, for a used 2008 XXXX XXXX, purchased around 3 years at {$17000.00}, 90k miles at a interest rate of 27.5 %. <P/>I was told that is abnormally high, is this legal? <P/>My car payment is {$550.00}, which is difficult and have fallen back a few times. I have tried inquiring but no luck, nor are they willing to waive the late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I use a smartphone service called XXXX XXXX which I have my bank account and debit card link to. XXXX XXXX requires updated information from my banking company Simple which is not providing updated information to XXXX. This forces me to not be able to use XXXX XXXX which needs to know if I received my payment on XX/XX/XXXX. Simple will not provide that information which is incredible frustrating. I never had this issue with XXXX and I 'm about to close my simple checking account

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 2017-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion, XXXX, and XXXX  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX XXXX XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} Ad XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.

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 2017-06-27 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been contacting a company by the name of Universal Premium XXXX XXXX by XXXX.  We applied with them for a credit line for our fleet. There card offers repairs, gas and etc. When the account was applied for and opened I had an position in the company whom handled some of it 's financial affairs. We terminated his position in XX/XX/XXXX. I took over all the items he was responsible for which opened this can of worms. I have attempted every approach with this company to fix the problem. They are currently debiting a bank account I asked for them to stop in XX/XX/XXXX. They are debiting this account every two weeks for {$750.00}. I spoke with a representative in XX/XX/XXXX whom stated there were website changes and it would get corrected. I followed up at the end ofXX/XX/XXXX in regards to not being able to remove account from online portal along with other issues of fees, interest and high risk transactions by email. The reply a few days later stated it was taken care of. It has continued. I have attempted additional contact through phone and email with no response. They are still debiting out of account as of today and say they have me on a list with other people to get resolved. I have left money in account to cover other items that may post to this non active account. We have changed banks. They want me to give them the new info, but refuse to remove the old and I am worried that my information is compromised. They have been withdrawing this money without my permission. They have been told to stop! I asked who their governing agency is and staff states they just work there? I asked for a supervisor whom is always busy or whom will return my call. No return calls! I will be contacting authorities.

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 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, after obtaining reports from both XXXX and XXXX through the XXXX website, I went to continue to the Equifax website, which began as the others did with a battery of four questions. After answering them, I was presented with a " Equifax can not provide your score online '' manure page, which directed me to try to obtain my credit report through the mail. Equifax 's website offered no reason for this, and no apparent recourse. Its support page lists phone numbers to call for the stated purposes of " Becoming a Business Customer, '' " Opting out of Mailing Lists, '' " Dispute information in my credit report, '' " Denied credit or entitled to a free report? '' and " Place a fraud alert on my credit report, '' and NO page for " Questions, '' " Concerns, '' or " Issues,  '' or any combination of the three. Frustrated, I called the line under " Entitled to a free report '' to be put through their automated line. 3:30 seconds later, after going again through the prompts, and dodging the consistent advertising to pay for my credit score, I have been told, again, with no reason as to why, that despite the fact I went through this saying " Free '' ( the option for getting your report under the FACT act ) I still had " no discount applied to this selection '' when simply trying to get my free disclosure. Equifax, intentionally or not, is in fact obfuscating consumer rights and their own website in such a way that it is illegal, time consuming, and extremely disheartening. In doing so they cause harm to people with little and no money who are trying to clear any potential obstacles to success by cheating them first of their time, then their mandated free reports, and finally they are stealing the money from the consumer that has no choice but to obtain their credit report. They also very clearly violate federal law by withholding a mandated free credit report, and charging for it despite the mandate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tribal Lending Enterprise, Inc.
State: MI

Complaint narrative:
I needed cash and this seemed like a good idea. I was not aware of the excessive interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My USAA member ID is XXXX and I have an auto loan with USAA. Recently in violation of many consumer protection laws, USAA restricted my access to USAA.com and cancelled / closed my credit and banking accounts. This poses a problem as I have never received a billing or account statement in writing from USAA for my auto loan. It was set up to all be completed electronically, were the statements are available on usaa.com and all payments are auto debited from my USAA checking account. <P/>This is an issue as now USAA has closed my checking account, so automatic payments are not possible going forward. I called in to request assistance with this as I do not know the amount, or where to send my car payments to keep it current going forward. I was told automatic payments would be stopped and I 'd begin receiving paper statements. I have to to receive any statements from USAA for my Auto Loan. Most recently I called in today on X/XX/2017 and after being transferred several times I spoke with XXXX. She informed me Paper Statements could and would not be sent to me as I agreed to receive all statements via USAA.com at the load origination and she was unable to change it. I requested the payment amount, address to send it to and billing history be sent to me at my home/billing address. She informed me that could not be done I needed to view it all on USAA.com. This poses a problem as USAA restricted my access to USAA.com making it impossible for me to do. <P/>So now, I am unable to pay for my auto loan, view past payments or even know where or how much to send. I 've requested this in writing many times and have not received anything. By USAA 's own intentional actions they have intentionally prevented me from being able to meet my obligations, despite my many attempts to find a legal and fair way to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Equifax, and XXXX  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX , XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} XXXX XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX, and Experian are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX , XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} XXXX XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.

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 2017-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
They have been several occasions where Selene Finance was paid on time and they charged us with late fees. Their payment due dates are between XX/XX/XXXX XX/XX/XXXX, we were told that if they were paid within those date ranges we would not incur any late charges. We began paying them on XX/XX/XXXX after I got off from work and they would still charge a late fee. When I inquired about why we were receiving the late fee then they said that we had to pay by XXXX XXXX. The problem with that is their system is down from XXXX XXXX to XXXX XXXX which makes it difficult to comply with their rules. <P/>In addition to the above mentioned, we decided we would chose a different Home Owners Insurance from what we had when our Home Loan was first sold to Selene Finance because we would get a group discount. Without our consent Selene finance changed it back to the original HOI provider and once we inquired about why this was done we were told that they didnt know. We then asked them if they would switch it back to the provider of our choice and they told us that we could but we would have to pay it in full ourselves and they would reimburse us the money they paid. We have many more issues with Selene that they have yet to address. <P/>Thanks XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I hired Lexington Law Firm to remove questionable and negative items from credit report and paid up front and they never performed work or promises and ask for more money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Bought home XX/XX/XXXX, had two loans a 15 yr and a 30 yr XX/XX/XXXX is the 15 yr loan completion date, but now I get a notice saying $ XXXX will be due XX/XX/XXXX I have made all payments, docs say loan was for {$13000.00} Math adds up to more and now they want a another $ XXXX ( I do n't think this would be interest, the 30 yr old mortgage is not like this - Attorney says this company has had problems before XXXX XXXX - 3 different companies have passed this on Currently Nationstar Mortgage holds it Can you help What 's so weird is that a fellow worker is being done the same way

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have recently been having trouble with disputing hard credit inquiries that I have discovered on my credit reports. Specifically with XXXX I feel that they are not really abiding by the Fair Credit Reporting Act because I have submitted several disputes and I keep getting the general response " Inquiries are a factual record of file access .... '' They have not initiated any kind of investigation into the fact that several companies have pulled my credit reports and I can not recall giving them the authorization to do so. I have filed disputes on the following dates : XXXX-17, XXXX-17,XXXX-17, XXXX-17, and XXXX-17 just to name a few and I keep getting the same response explaining to me what an inquiry is. I have also filed disputes with Transunion & XXXX to get all unfamiliar inquiries removed and have not been able to get any results. As a data furnisher I believe it is the responsibility of the Credit Bureaus to be sure that they are reporting true information and if it is disputed it should be properly investigated. If information can not be verified then it should be deleted. If for some reason they believe that these inquiries were initiated by me I would like to be provided with proof. I have also contacted the creditors before I ever filed a dispute with the credit bureaus and they advised that I dispute the inquiries with the major bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have recently been having trouble with disputing hard credit inquiries that I have discovered on my credit reports. Specifically with Equifax I feel that they are not really abiding by the Fair Credit Reporting Act because I have submitted several disputes and I keep getting the general response " Inquiries are a factual record of file access .... '' They have not initiated any kind of investigation into the fact that several companies have pulled my credit reports and I can not recall giving them the authorization to do so. I have filed disputes on the following dates : XXXX-17, XXXX-17,XXXX-17, XXXX-17, and XXXX-17 just to name a few and I keep getting the same response explaining to me what an inquiry is. I have also filed disputes with XXXX & Experian to get all unfamiliar inquiries removed and have not been able to get any results. As a data furnisher I believe it is the responsibility of the Credit Bureaus to be sure that they are reporting true information and if it is disputed it should be properly investigated. If information can not be verified then it should be deleted. If for some reason they believe that these inquiries were initiated by me I would like to be provided with proof. I have also contacted the creditors before I ever filed a dispute with the credit bureaus and they advised that I dispute the inquiries with the major bureaus.

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