vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
I has been a problem with quicken since we started the mortgage with our escrow payments. They analyzed my escrow account within 2 months of my loan started and they said because we live in the south they were doing us a favor so we would not lose our home to forclosure. As a real estate agent I 'm fully aware on how escrow account are done. It has been more tha n four y ears and still problems with my escrow. Today I received a bill for  XXXX  mortgage payments when my payment had already cleared my bank. They seem not to be working in a matter that is in compliance with the law and also very discriminatory comments on there service advisor part when I asked to speak to a supervisor none were able to answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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:
I have sent you a written request to validate my debt having with   XXXX   XXXX   company and received a letter in the mail with an account number and the collection name but not a signed contract or any form of verification linking me to this account via contract. What is even more concerning is that after careful review of this account, the account is listed, not once but TWICE! After reaching out to the collection company, they refused to remove the accounts and informed me that they do not have to verify the debt because they are not the original creditor. Now, I am attempting to resolve this matter with the Equifax to resolve this unlawful practice that is negatively effecting my borrowing potential and credit worthiness. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of {$1000.00}. I would love to resolve this issue without getting other parties involved and restore my trust in your credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been disputing this account on my Report since  XXXX  when I noticed that this appeared on my report.   I have asked bo th Equifax ( CRA ) as  well as  XXXX   ( Creditor ) t o furnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX . Equifax does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.   I have spoken to Equifax several time after each dispute requesting documentation, the person who is verifying this information and the method that Equifax is using to verify. I was just told by a  Supervisor   XXXX   ( wo uld not furnish last name ) at the  Dispute dept.  of Equifax that Equifax does not itself verify creditor 's information but they honor the creditors information and put that on my report.   This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.   Why do we have laws and acts if CRA 's can circumvent these laws so easily?  <P/> I have provided the information below on my dispute history.  <P/> This is a summary of your Equifax  Credit File activities  within the last 365 days.   We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized Equifax to deliver online.  <P/><P/><P/><P/> Results  XXXX  COMPLETED   XX/XX/XXXX   XX/XX/XXXX  Viewed   XXXX    PENDING  XX/XX/XXXX   XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX   XX/XX/XXXX   XX/XX/XXXX  -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX Expired   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Regarding : Customer Name :   XXXX   XXXX   ; Checking Account Number :  XXXX  ; Bank : Citizens Bank NA On XX/XX/XXXX , 2017 Check  XXXX  was written payable to   XXXX   XXXX   XXXX   in the amount of {$200.00}. On the same day, that check was voided and check   XXXX   was written payable to   XXXX   XXXX   in the amount of {$150.00}.
<P/>
On  XX/XX/XXXX , 2017, both checks were cashed, thus putting the account ending in   XXXX   into a negative balance. I had called Citizens Bank and spoke to their representative  XXXX , who filed a fraud claim and reassured me that this would be resolved within 10 business days and that Citizens Banks would return my money to the account along with all the overdraft charges that resulted from their error. He noted that " Void '' was written clearly and legibly across the front of the check. He also told me multiple times that this was Citizens Bank 's error. The claim number I was given is  XXXX .
<P/>
I followed up 8 business days later on  XX/XX/XXXX . At that time, I was told it would take 8 weeks for Citizens Bank to refund me my money and that there was no way for them to expedite the process. They claimed that the fault was not theirs and that they had to verify that the check was indeed voided. I asked why this had to be verify as it was already on record that this check was voided, I received no answer.
<P/>
I called again on XX/XX/XXXX , 8 weeks after the voided check was cashed. I was told the claim was still open, but yet to be resolved. When I asked how much longer it would take, I received no answer. I have yet to receive the original {$200.00} back in my account, along with the {$70.00} in fees.
<P/>
On  XX/XX/XXXX , I received a letter dated on  XX/XX/XXXX , stating that Citizens Bank is not at fault, that this was a matter between myself and the payee. They refuse to refund me the money they withdrew without authorization in addition to the fees that resulted from the unauthorized withdrawal, thus going against their previous statements made on the record.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08 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: MA

Complaint narrative:
We Continue having a credit reporting issue, from all credit agenc y Trans Union,  XXXX ,  XXXX . Reporting that we still have an auto loan from   XXXX   XXXX   XXXX    XXXX    that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.

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 2017-06-08 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: NY

Complaint narrative:
Equifax had removed an account   XXXX    XXXX   XXXX  off my credit report. However I just viewed my report on   XXXX   XXXX   and it shows this account again.  XXXX   XXXX   XXXX  had confirmed that this information will be deleted from all  XXXX  credit reporting agencys. It was deleted and as of today it looks as though it has been re-inserted again. I spoke to corporate office at   XXXX   XXXX    XXXX  a few months ago and it was confirmed they would contact all  XXXX  credit reporting agency 's and have this information deleted. Having this put back on my report is affecting my credit score in a negative way. I am submitting this complaint about equifax because they should have never re-inserted this informaiton once they were notified it was to be deleted off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Multiple times per day, we receive phone calls from Diversified Consultants. They are apparently a debt collection agency, but we have no debts. We 've asked why they are calling us and there is no explanation. There are quite a few different numbers that they come from but as soon as we pick up the phone they hang up the call. We are trying to run a business but tending to these nuisance calls is really beginning to decrease productivity. We 've also missed other important calls while dealing with these. Many times we 've called back the number that calls us and each time we speak to someone and request that we be added to their Do Not Call list. They tell us that we are not on the list of numbers they have to call, but that is obviously a lie. Our phone number is  XXXX  and it is listed on the state and federal Do Not Call Lists. The last harassing call we received was from   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
In XXXX XXXX I had an American Express, XXXX XXXX credit card. In XX/XX/XXXX I canceled the card for I was not traveling as much anymore. In XX/XX/XXXX I received an offer for a new XXXX XXXX American Express credit card. The offer stated I would get XXXX bonus XXXX XXXX points after spending {$750.00} in the first three months. I applied on line, and received the card inXX/XX/XXXX ( American Express letter datedXX/XX/XXXX ). Neither the initial offer nor the letter accompanying the card mentioned any restrictions related to the XXXX bonus points. Out of abundance of caution, before using the card for the first time, I called American Express and I was told by the agent that I was qualified for the XXXX bonus points. However, after spending the requested amount I did not receive the bonus. I called American Express, and I was told that it would take 6 to 8 weeks to get it. The bonus was never posted to my XXXX account, so onXX/XX/XXXXI called again. This time I was told that I did not qualify for the bonus because I previously had a similar card. On XX/XX/XXXX I contacted American Express for the last time. I tried to use e-mail, to have a written proof of the discussion, but this form of communication is not supported by the American Express web-site. So I had to use online chat. I explained the situation, but the agent wrote back that I was not qualified for the bonus. She provided a pointer to American Express terms and conditions. The documents referred to by the agent are enclosed. Neither one mentions the restriction invoked by the last two agents I communicated with.
In my opinion American Express has the OBLIGATION to give me the XXXX XXXX XXXX bonus points for the following reasons : -The offer sent to me did not mention any restrictions related to previously having a similar card.
<P/>
-I met the requirements of the offer ( I spent over {$750.00} in the first three months ).
<P/>
-Two American Express agents confirmed that I was qualified for the bonus.
<P/>
-The Terms Conditions documents provided to me by an American Express agent did not mention that restriction either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I overpaid for my home. JP Morgan failed on my loan refinancing and loan modification. I am working on an assumption and was told to go to the local branch. The local branch stated they do not have a mortgage person in house that can help me at the   XXXX   XXXX   Branch in   XXXX    Texas. I want JP Morgan to reduce my principal balance and/ or not charge me for the next 6 or 12 payments. This is frustrating and upsetting. I want a local person that I can work with in the  XXXX , Texas area.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: OR

Complaint narrative:
I do n't have reliable cell service and my calls get dropped frequently. I need to find out if I qualify for any deferment or forbearance options because I ca n't afford to make the monthly payment and my co-signer ca n't either. The only other way your website allows me to contact you is through mail : If I chose this option I will be past the due date for the loan while waiting for a letter. Here is a link to your website that shows this, https : //activitycenter.salliemae.com/ContactUs/Show Why do n't you have an email address on your website so that people can contact you this way? I thought this was an option in the past. When did this change and why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
OXXXX XXXX paid JP Morgan Chase {$1200.00} for mortgage payment I. XXXX, Oh. Due to mistakes by XXXX the check was declined. <P/>On XXXX went back to Chase and asked if they were going to resubmit the check for payment. The woman at the XXXX XXXX, Oh Chase called the home finance department and they said they would not resubmit the check. Since they were not going to resubmit I wrote another check and gave it to the lady in the bank. <P/>On X/X/17 I went back to Chase and talked to customer service in XXXX, Oh and the woman at the bank called the home finance department to find out both checks had been cashed. Home finance advised that a refund check for the second payment would be sent via XXXX or XXXX overnight. <P/>XXXXWhen it was not received X/X/17 or X/X/17 after 5 calls to Chase customer service, the issue was not resolved. I was told that the check was shipped but would not supply a tracking number. <P/>It 's X/X/17 and we have not received the refund check from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
"  XXXX  '' from Nissan Motor Acceptance Corporation called me on  XXXX   XXXX ,  2017  initiating the call at  XXXX   XXXX  registering on my voicemail at  XXXX . He called me on my cell phone that is registered with them and caller ID registered him as calling from  XXXX   XXXX   XXXX .   XXXX  I have been having a hard time keeping up on my bills since I have been hospitalized so many times the past year and in  XXXX  of last year  XXXX  did the same thing to me! My area code and physical location are both in California-I have not been traveling,  Nissan  broke the law again in calling me before  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
Allied collection service should not report on my credit report as I am not liable for the debit since I have no contract with them. From  XXXX    XXXX  . They can not validate that I have a signed contract with them.   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

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 2017-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: AUTOMOTIVE CREDIT CORPORATION
State: TN

Complaint narrative:
I had filed bankruptcy and the company is still reporting this on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing this account on my Report since  XXXX  when I noticed that this appeared on my report.   I have asked both   XXXX  ( CRA ) as well as  XXXX  ( Creditor ) to f urnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX .  XXXX  does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.   I have spoken to  XXXX  several time after each dispute requesting documentation, the person who is verifying this information and the method that  XXXX  is using to verify. I was just told by a  Supervisor   XXXX   ( wou ld not furnish last name ) at the  Dispute dept. of   XXXX  that  XXXX  does not itself verify creditor 's information but they honor the creditors information and put that on my report.   This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.   Why do we have laws and acts if CRA 's can circumvent these laws so easily?  <P/> I have provided the information below on my dispute history.  <P/> This is a summary of your   XXXX  Credit File activ ities within the last 365 days.   We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized  XXXX  to deliver online.  <P/><P/><P/><P/> R esults  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Viewed   XXXX    PENDING  XX/XX/XXXX   XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX   E xpired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX   XX/XX/XXXX   XX/XX/XXXX  -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   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 2017-06-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing this account on my Report since  XX/XX/XXXX when I noticed that this appeared on my report.
I have asked both   XXXX   ( CRA ) as well as  XXXX  ( Creditor ) to furnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX .   XXXX   does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.
I have spoken to   XXXX    several time after each dispute requesting documentation, the person who is verifying this information and the method that   XXXX    is using to verify. I was just told by a Supervisor  XXXX  ( would not furnish last name ) at the Dispute dept. of  XXXX  that  XXXX  does not itself verify creditor 's information but they honor the creditors information and put that on my report.
This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.
Why do we have laws and acts if CRA 's can circumvent these laws so easily?
<P/>
I have provided the information below on my dispute history.
<P/>
This is a summary of your   XXXX   Credit File activities within the last 365 days.
We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized   XXXX   to deliver online.
<P/><P/><P/><P/>
Results   XXXX   COMPLETED  XX/XX/XXXX  XX/XX/XXXX  Viewed  XXXX  PENDING XX/XX/XXXX  XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX  XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX  XX/XX/XXXX Expired   XXXX   COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired   XXXX     XX/XX/XXXX  XX/XX/XXXX  -  XXXX  COMPLETED XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   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