vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
SEE ATTACHED DOCUMENTS. 
NO PROOF OR RESPONSE PROVIDED NO CONSENT GIVEN TO REPORTING COMPANY. I HAVE A RIGHT TO PRIVACY AND IT HAS BEEN DIRECTLY VIOLATED BY REPORTING COMPANIES. 
FTC REPORT HAS BEEN FILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
Self lender is a account where you pay yourself and at the end of the loan you get the money back I paid twice on a loan and never got the money back they owe me {$1000.00} they claim {$750.00} but have sent nothing!!! they keep saying they sent a check and they don't send it ever it does not take over a month for a check to get here they are liars I look on the reviews and other people are saying the same thing it's a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: Credit Karma, LLC
State: KY

Complaint narrative:
I contacted the company immediately following notification of the charge to my card, I spoke to customer service their app has no way to submit fraudulent charges for review, incalled them they told me specifically they wouldn't assist me for 3 days in which ill have to reconnect for them to create a billing dispute. I never recoeved my terms they told me they would provide {$200.00} as a bonus for opening the account i never recieved, terms and conditions i never recieved either or details regarding their negligence to assist with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: DAS ACQUISITION COMPANY, LLC
State: MO

Complaint narrative:
Records Partial Deed of Trust of XXXX XXXX XXXX XXXX XXXX, MO XXXX stamped by notary does not contain my " wet ' signature of valid proof this Partial Deed is valid and agreed upon by me. I requested the deed be removed before the closing sale of the said property and it was not removed, nor proved valid of funds owed by me. I requested my funds reimbursed and credit reports corrected. 

Defamation Negligent Enablement if Identity Fraud and document reporting Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 and 28 U.S.C.

Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) A Notary Public is a state public officer appointed and commissioned by the Governor whose function is to : administer oaths, take acknowledgments of deeds and other instruments, attest to or certify photocopies of certain documents, and perform other duties specified by law. 

Responsibility of a notary provides for authentication in lieu of notarization in 28 U.S.C. ... That section provides that to meet any notarization requirement under federal law or practice, an unsworn declaration under penalties of perjury is sufficient.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax continues to bill me $ XXXX after I have called more than 4-times spending countless hours on the phone with equifax representatives and have requested they cancel this service and credit my the funds charged as I have never received the service I paid for. I have no access to my equifax file, credit monitoring has not been cancelled and equifax keeps billing me. Equifax representatives told me the service will be cancelled and I would be credited. Neither of these has happened and I keep getting billed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In spite of telling them XXXX new mortgage loan servicer ), my payment has been send and the check was cleared already, they disregard that fact they received my payment and keep calling me for annoying debt collection calls. 
I sent check according to the address shown on the mortgage loan servicer change notice. Payment receiving center, XXXX and XXXX communication center do not communicate within the same organization. 

Incredibly incompetent and annoying. 
Wasting so much time answering their " debt collection '' calls. 

Please stop once and for all for this stupid institution to engage in this sort of irresponsible action. They are sending me wrong payment amount as well. They don't even read the purchased Note and Deed of Trust and changing the monthly payment amount. 

Totally unacceptable and illegal act.

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 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I discovered a COMMERCIAL ACCEPTANCE CO account reporting on my credit report, I have never done business with, nor even gone inside a XXXX XXXX XXXX. This account is not mine at all, please remove it from my credit immediately as COMMERCIAL ACCEPTANCE CO has willfully violated my rights by reporting unverified, incorrect, and defaming information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
This company accused me of owing debt to XXXX in a letter in early XXXX of 2021. I requested proof of debt on XX/XX/2021 via certified letter. They did not respond, but called me today, XX/XX/2021 attempting to coerce me XXXX in a demanding tone that ) I allow them to record me without my consent, and that I verify my social security number. Again, they have not provided any proof that I owe such debt. 


She said " We record all of our phone calls ; I mean, you don't have to verify your identity, but this isn't going to make this problem go away. '' My main issue is not that I verify who I am ; My issue is that they did not bother to show proof of debt, and tried to prevent me from exercising my rights of not allowing myself to be recorded. 

Their statement in conjunction with attempt to coerce me to verify my social security number without providing proof of debt leads me to believe that they are about to hurt my credit without cause.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
OnXX/XX/XXXX I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: NJ

Complaint narrative:
I have been getting threatening phone calls from Allied Interstate about money I owe to someone. Since I DO NOT OWE ANYONE ANYTHING I told these people at Allied Interstate this but they continue to harass and make threatening phone calls. On Tuesday I received another of these calls from someone on my called I D as UNASSIGNED and decided to answer it. I've received numerous calls from this UNASSIGNED in the past but this is the first time that I actually talked to someone. The person told me that his name is XXXX XXXX and after getting verbally abusive toward me he told me that he worked for Allied Interstate, which is a debt collection agency, which I looked up after our phone call. Anyway, I told him I don't owe anyone anything and don't call again. After this call I filed a complaint with the FTC, report # XXXX, and thought that I would not hear from them for a while. This morning at XXXX am I received a call from XXXX, Texas ( XXXX ) from, you guessed it, XXXX XXXX! I reminded him that not only am I'm still on the do not call list and I did file a complaint with the FTC why is he harassing me AGAIN?? He said are you not this person and I said no. He told me that they would not call anymore and then he hung up. This person knew that I did not owe them anything but still continued to call and harass me!!! Please help me in this matter and tell them to stop this continued harassment. Thank you.

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 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Because i was in the financial position to do so, I paid my credit card balance in full this month -- {$66000.00} -- to avoid future interest charges on the unpaid balance. I paid this online through my checking account as has been customary for years. The payment was initiated on XX/XX/2021, and the amount was extracted from my checking account electronically on XX/XX/XXXX, XXXX i received the following message from the credit card company : " Hi, XXXX XXXX We received your {$66000.00} payment and credited your Citi / AAdvantage Gold World Elite MasterCard account. Please keep this confirmation number for your records : XXXX. '' I called the credit card company this morning, XX/XX/2021, to report that two vendors had contacted me today and reported that their attempt to process payments I made to them via my credit card today were not honored. I was told that, even though the company acknowledged my payment, i could not use my card until after XX/XX/2021. 

I told the representative that this was wholly unacceptable, that I had an excellent payment record, was a 20-plus year customer, and needed to speak to someone who could help me since she obviously couldn't. She told me there was no one who could help me and that I would have to await this random hold on my account. I even asked her to at least give me {$10000.00} credit on my account which carries a {$67000.00} limit. She refused to do so. 

I find this practice absolutely abysmal, and there is nothing in any account agreement I have ever read that allows them to do this to me. 

Again, I am a good customer, I have an excellent credit rating and I refuse to tolerate this arbitrary and capricious practice.

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 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened a Marriott credit card with Chase Bank in XX/XX/XXXX2021. When opening this, I provided the Marriott account where points would go. The first statement, the points posted as it was supposed to. I then realized the following months ( when I had much larger point balances ) did not post. After calling into Chase three times, starting XX/XX/XXXX, I'm still being passed around. This is what I have been able to find out as of today, XX/XX/XXXX : - A new Marriott account was automatically created for me which apparently is where these points are going. I just found out what the account number is after having to do multiple calls ( and after waiting over 30 minutes to talk to a Marriott representative ), so I have no idea what points are in this account. 

- I was told the reason this happened is because my husband is the Marriott account holder and the credit card was opened by me. I would like to understand why this was not flagged when I was opening the credit card and why the first points posted fine, but then when I had higher point balances it started going to a newly created Marriott account which I knew nothing about. This seems extremely deceptive. 

- I have been passed back and forth between Chase and Marriott and as I type this I'm sitting on hold with Marriott which I have been on hold for 30 minutes now. Completely unfair that I have to spend my time trying to figure out where points are sitting that are rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Its a two part problem but both involve mismanagement of monthly payments First, I received an annual escrow shortage bill in XXXX, I opted to pay the shortage to keep my payment low well the person who took my payment over the phone placed the whole sun in escrow thereby increasing my monthly payments, remember I did this Over the phone so that the payment would be applied to keep monthly low. 
Second I made the mistake of making payments before my due date, well the system or a person, unauthorized by me place my payments in principle only Column. And then preceding to short my account for 2 months. I was reported to credit agency and HUD for counseling.I called and some payment were fixed but Im still missing a month! Ive called multiple times, theyve lied to me, delayed by telling me it would be fixed next week and nothing has changed Ive written and called multiple times, Ive also asked for an audit to no avail .I dont know what else to do and I dont want to keep calling being a giant waste of time. freedom Mortage is the company

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 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A recent investigation of Acct Number # XXXX Creditor : XXXX XXXX XXXX  did not remove the unverified negative account from my Equifax credit report, reporting in collections. 

Equifax Under the FCRA is required to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In results of their investigation they did not send me provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Cactus Jacks Auto Sales
State: AZ

Complaint narrative:
I have had my vehicle with this company for about 2 years now and I pay my car note every single month it is automatically deducted from my checking account on a monthly basis, the XXXX of the month. I have never missed a payment to where my account has been over 30 days past due yet the company keeps reporting to the credit bureau that Im 30 days past due on my account. There is no way i could be if my account is paid the XXXX of every month. I had gotten a lawyer to help with the situation and my lawyer advised me to pay them {$410.00} every month on the XXXX instead of {$390.00} which is what i was initially paying. I started making the payments of {$410.00} on XX/XX/XXXX which covers me for the full month. I initially had a {$260.00} credit with the company because i had over paid them. This information was confirmed to me by their employee XXXX at XXXX on XX/XX/XXXX, my car note was not due till XX/XX/XXXX i was all paid up with a XXXX  balance due and a {$260.00} credit on my account. XXXX XX/XX/XXXX {$410.00} was withdrawn out of my bank account. Now all of a sudden the company is claiming that my payments are behind yet i had a credit and car note has been fully paid on the XXXX of every month since i had the car. The company can not explain to me what happen to the {$260.00} credit all they keep saying Im a week behind on my payments but no one knows how. They are calling my family members that i have listed as a reference and have been told multiple times to stop calling, sending text messages multiple times a day everyday to my cell phone without my permission, leaving voicemails on my phone stating this is an attempt to collect a debt and i need to contact them before the end of business day that day or my account will be transferred over for repossession yet again this is not even a 30 day time frame they claim account suppose to be late and my account os paid for the full month. They make false reports to all three credit bureaus and say Im 30 days behind which is effecting my credit and the account is not behind at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I purchased a condo here in XXXX just over a year ago and have been making monthly payments for the last year. 
a few months ago I started receiving email messages that THE INSURANCE ON THE CONDO HAD LAPST. I contacted the XXXX  insurance company and they looked it up and said my insurance is current. Mortgage company said they would be putting FORCED COVERAGE ON CONDO IF I DIDNOT SHOW PROOF OF INSURANCE ) I continued to receive notices and when I called the computer generated message it said my insurance had expired last XXXX ( I only bought the condo about XXXX XXXX. I called XXXX insurance back and they continued to show insurance was current. I had XXXX FAX PROOF OF INSURANCE TO THEM. 
I continued getting notices on expired insurance and finally got a real human to answer the phone and they said EXPIRED INSURANCE WAS FOR LAST YEAR! 
I was able to get ahold of XXXX again and they FAXED PROOF OF INSURANCE FOR LAST YEAR. 
On XXXX I faxed the letter from XXXX XXXX of XXXX XXXX XXXX XXXX ) showing I always had insurance since I bought the condo. 
On XXXX I received my statement from LOANCARE SHOWING THEY HAD TAKEN XXXX OUT OF ESCROW TO PAY THE INSURANCE. 
LOANCARE is very bad about answering the phone and refuses to refund the {$870.00} money taken out of escrow. 
thank you

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 2021-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I asked for help in how I could go about lowering my monthly car loan payment from XXXX a month due to hardship with my employer. In XXXX my employer, from full time to part time but unknown for how long. I pay my car on time but they say I dont qualify.

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 2021-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
I have called the creditor who owns a false medical debt to inquire about the collection. The original creditor pull the amount " owed '' as it was not valid. I have called the new creditor who owns this amount American Capital Contact XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX To make sure it's removed and they keep saying its been referred to legal and I do not get contacted. Today I called spoke with XXXX at the company and she repeated the same thing " No one is in and I'll get a call back ''. When I asked to complain I was told to write in or fax. The write in/fax option is designed to make it harder for consumers to get heard. XXXX was condescending and had no interest in helping and this violates my consumer rights because I am being prevented from speaking to anyone. This firm needs to be investigated.

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