vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Equitable Acceptance Corp
State: MI

Complaint narrative:
I was contacted by XXXX XXXX who said they were going to get my student loans consolidated and forgiven. They set up a payment plan with Equitable Acceptance Corporation. This was XX/XX/2017. A few days later I realized they were a scam. I contacted XXXX XXXX. They refused to do anything about it and said I should have canceled within three days of signing the contract. I called Equitable Acceptance Corporation. They said there was nothing they could do about it. They are a scam too. It is now on my credit report that I owe {$1200.00} to Equitable Acceptance Corporation. I have tried to challenge it with Equifax with my credit report, but Equitable Acceptance Corporation still says I owe the money. This is XXXX! Corporations like this taking advantage of consumers. It's FRAUD!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND  A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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:
I sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had a Capital One credit card for some time as other 's but ItIs the first time I have noticed that I'm been charged for fee 's and Interest charged on purchases, I alWAYS PAY MORE THAN THE MINIMUM PAYMENT, Since last year I began to see these charges, none of my other cards have I seen this practice so far including a member fee of {$39.00}, and other charges on purchasing from {$42.00} to {$38.00} every time I make a purchase 's At this rate I will never pay down my principal. 

To this date there has been a total including Member fee of {$270.00} since I never looked at previous statement I just paid my payment there could have been many charges n previous years, I would like my money back and this form of Business to stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
I traded in my vehicle for a new vehicle. The company that i traded in the vehicle with said that i didn't have to make any more payments once i traded in the vehicle. That the only payment i needed to make was for my new vehicle. However, the motor company put a late pay on my report because the company didn't fill out and turn in the paperwork on time before my payment was due. They said that i needed to dispute it with the bureaus and it would be removed but i did that and it isn't being removed. It is effecting my ability to get the best interest rate for the home i am trying to purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2018 Chase bank made an automatic payment out of my credit union account which they have in file for the amount of {$190.00} despite of have another payment for {$200.00} coming in from another Chase checking account on the same day. I spoke to both banks and the XXXX XXXX XXXX  explained that Chase bank requested a payment and due to not enough fund on my credit union account Chase cancelled the payment. I explained the situation to Chase customer service that the automatic payment was off long ago for more than a year and it was obvious that the payment wasn't meant to be since I had scheduled another payment on the same day. I requested to look at the payment activity that it will be crazy of me to switch on the automatic payment knowing I don't have enough funds on the XXXX XXXX account. Chase only agree to turn off the automatic payment off and say sorry for the insufficient fee from my other bank I have to face for some kind of glitch on Chase end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
Since refinancing my home load with Amerihome Home Mortgage in XXXX, I have never missed a payment. In XX/XX/XXXX, I missed the payment. I am SURE that I went online to pay it ; but for some reason ( whether I didn't hit " submit '' or whatnot ) the payment was not made. 

I didn't realize that I have missed the payment ( again, I'd never missed one before ), until I went to pay my XX/XX/XXXX payment only to find that I owed 2 payment. Since I was unable to make two payments at that time, I paid my normal monthly payment, expecting to be able to " make up '' the balance prior to my XXXX payment being due. 

In mid XXXX, I again signed on to the Amerihome Mortgage website to make a partial ( half ) payment - only to find that it was impossible. I could not enter any amount accept the full monthly total. I then called Amerihome, only to find out that the customer service would also not accept a partial payment. I was passed around to several " service reps '' who each told me that a partial payment could not be accepted. 

I " saved '' my half payment - having to wait until my next paycheck. That paycheck falls on XX/XX/XXXX. I called Amerihome again to ask whether or not they would once again report my " delinquency '' to the credit bureaus - because I will have missed the " cut off date '' by one day. They happily said " yes! we report it immediately after 30 days! '' I find it incredible that a national mortgage company does not accept partial payments, not allow consumers to rectify an obvious mistake by making partial payments or avoid another serious black mark to their credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau
State: MD

Complaint narrative:
ACCOUNT IS SHOWING ON MY XXXX  REPORT. THIS IS FRAUD AND WAS A RESULT OF IDENTITY THEFT WHICH I HAVE SUBMITTED POLICE REPORTS TO XXXX. THIS ACCOUNT IS NOT MINE. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I open and close a chase XXXX XXXX  for one week and did not use it and call customer service to cancel the account and to remove from my credit report and chase would not remove from credit report. I never use the credit card and was told that if i cancel the card then i can apply for the other product chase XXXX XXXX ( which is the one want to get ). After cancelation happen with the preferred ... chase lending department said i'm over my limit of there XX/XX/XXXX rule that i can't apply for another card due to i hit there are open 5 credit card within 2 yrs including the one that i just cancel and never use.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XX/XX/XXXX and XX/XX/XXXX. Per XXXX XXXX XXXX  records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XX/XX/XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XX/XX/XXXXpayment 3 ) XX/XX/XXXX received {$1200.00} to satisfy theXX/XX/XXXX payment 4 ) Not sure how XX/XX/XXXXcan be marked as late when the month of XX/XX/XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage sinceXX/XX/XXXXand somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.

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 2018-01-30 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XXXX, XXXX, XXXX and XXXX. Per XXXX XXXX XXXX records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 3 ) XX/XX/XXXX received {$1200.00} to satisfy the XXXX payment 4 )  Not sure how XXXX can be marked as late when the month of XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage since XX/XX/XXXX and somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XXXX, XXXX, XXXX and XXXX. Per XXXX XXXX XXXX records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 3 ) XX/XX/XXXX received {$1200.00} to satisfy the XXXX payment 4 )  Not sure how XXXX can be marked as late when the month of XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage since XXXX and somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.

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 2018-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group
State: FL

Complaint narrative:
I would like to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NAMG ( a creditor ) has apparently received an account of my elderly mothers ( XXXX XXXX XXXX ). Instead of following up specifically with my mother, NAMG calls my cell phone ( XXXX  ), my home phone ( XXXX ) and my wifes ( XXXX XXXX XXXX ) cell phone ( XXXX ), multiple times per day at multiple days a week from XXXX. I have never been a part of any credit application with my mother, nor am I or my family on any financial documents of hers. This is unwarranted harassment from a private business that I have no dealings with. In addition, this behavior of NAMG constitutes multiple violations of the Fair Debt Collection Practices Act. Section 804, # 3 : not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. Section 805, b Communicating with 3rd Parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Section 806 ( harassment of abuse ), # 5 : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number ; and # 6 : Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. I am reporting this complaint today as they have now been calling us on the three numbers listed above for 2-3 months. NAMG is registered with the state of Florida as a foreign LLC, state ID XXXX and is domiciled in New York.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
this is fourth time that i fiiled a a complaint against XXXX they are not understanding or taken rwsponablity for what has happen and follow what others from the ecutive branch is willing to to. according to my congress and senator when and id is stolen the company has 120 days to look into it and no extra charges will be put on the account and the account closed right away. then because XXXX   has not issue a new card with in the expired date shown and still let the card be used its illegal. that two years ago ll banks and business with credit cards had 90 days to give a new card with a chip this was not done. there for XXXX is breaking the law. then because XXXX has sent every month from the last complaint that they would be willing to pay have the paymnt until this is paid off according to the federsl trade commission and business association and my senator and congress that XXXX   has admit wrong doing and there for to up held the agreement with the customer to close out the account and wipe out the debt because they are not traing there cashier to check id ask for name address and how long they had the charge crard and look and the expire date because it should not been used it should of been taken and cut up and a new one issued at the store or by XXXX. because XXXX  refused they brake the law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have 2 credit cards with limits over 6k, an excellent credit score, and I decided to go with a Citi card for my work expenses ( big mistake ). I was approved with only XXXX limit, this is not even enough to pay bills for a month if necessary. I was told that I had to wait 6 months before asking for a credit limit increase. I paid my card off in full every single month, and waited the suggested 6 months and was denied. I inquired about why this happened and was told that they don't have answers. I finally got to a manager who tried to put through a request again and all they said was that I haven't had the account long enough. I explained to them multiple times that I was told 6 months and now the agent was telling me 12 months. I asked what I needed to do to get approved and they would not give me any answers. I asked if I needed to go elsewhere and was told to " do what I want. '' I checked the BBB rating for Citibank and quickly realized that they have an F rating. I do not understand how a major banking institution could possible be so successful when this is how they treat their loyal customers. I will be informing everyone I know about how terrible and unhelpful this bank is.

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