vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I closed a refinance loan with Quicken Loans. During the process Quicken Loans estimated my taxes incorrectly. They based the tax amount to be paid on the taxes which were paid during the previous year ( XX/XX/XXXX ).  This proved to be a huge error as my home was a new-build during the previous year and the tax rate was significantly different.

On XX/XX/XXXX, I received a letter from Quicken Loans informing me that I was required to pay {$4500.00} to their company as a result of " changes in my taxes or insurance ''. Quicken Loans gave me the option of paying a lump sum for the full amount or dividing the amount into 12 payments which would increase my mortgage by {$640.00}. The increase in payment was to begin on XX/XX/XXXX. Since that time, I have spoken to several Representatives at Quicken Loans XXXX XXXX   number. The only other option I have been offered is to spread the amount 24 payments. I have reluctantly agreed to after much discussion, debate, and dispute. I have offered their representatives many different solutions, all which have been denied.

Even after spreading the shortage amount over 24 monthly payments, I am still going to have to pay approximately {$450.00} more a month on my mortgage. I do not feel that my family and I should have to experience the hardship created by the error Quicken Loans committed. Especially since the tax rate in my city and county can be easily figure it out by running a simple XXXX search.

I also feel cheated as the huge difference in payment lured me to refinance, which resulted in my agreement to pay unnecessary refinancing fees and costs. I even wonder if Quicken Loans Representatives used this error as a tactic to entice me into their fees.

I am hoping that you're Bureau can assist me with this matter as I feel that I may experience a very extreme financial hardship due to the above error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I responded to an ad selling XXXX XXXX tickets. I exchanged a few texts with the seller to make sure he was legitimate ( poor judgement call on my part ). He gave me his name, email, and sent me a photo of himself holding his driver 's license. We talked on the phone and he asked me to send him a payment of {$400.00} via Chase QuickPay XXXX, and then he would electronically transfer the tickets to me via XXXX. As soon as I sent the payment, the seller started acting suspicious and was not transferring the tickets right away ( we were still on the phone ). I went straight to my online Chase account to cancel the payment before the seller could accept it. The Chase website would not load correctly and I got an error message saying " This part of our website is not available right now. '' I tried multiple times to login but by the time I was finally able to get into my Chase QuickPay account, the seller had accepted the payment and then hung up the phone. Of course, the tickets never arrived and I was scammed. I tried calling him back but he blocked my phone number.

I immediately called Chase and was transferred to the claims department, and I told them my situation. In my bank statement, the transaction still showed as " pending, '' so I believed there was still time to stop the payment from completing. They said they will open up a claim and get back to me with a decision in a few days, but more or less told me that since I sent the payment and the seller accepted it, there was not much they could do. I then ran into a local Chase bank branch and told them what happened again. The branch manager called the claims department and essentially told me the same message. This all happened within 1.5 hours of getting off the phone with the scammer. One XX/XX/XXXX, I was told by Chase that my claim was deemed invalid.

I understand I made a poor judgement error. But I could've canceled the payment if the Chase website were working correctly, and I also believe Chase should have protections against this kind of fraud. I am now short {$400.00} and I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: MA

Complaint narrative:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( transunion, XXXX, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: MA

Complaint narrative:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, equifax, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
OnXX/XX/XXXX, I retrieved a copy of my credit report. To my dismay, I noted several inaccuracies that were reinserted on my report after I received documentation ( see attached ) from Equifax that they had indeed DELETED these entries. XXXX XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

XXXX XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

I AM DEMANDING THAT ALL OF THE AFOREMENTIONED ACCOUNTS BE DELETED FROM MY REPORT YET AGAIN!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I've been charged more than 900.00 in overdraft fee in the last 2 years with my TD Bank. I am certain their overdraft fee policies were designed to specifically exploited the weakness of bank consumers tardiness. They are making billions from taking crazy fee due to sometimes charges that I'm unaware off and there are no way and no grace period where I can deposit the money to take care of the overdraft. Instantly, they are taking credits for money not in the account. Something needs to be done ... as these banks are practically stealing legally from everyday hard working people. Being charge XXXX for a XXXX transaction is just pure loan sharking us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My Wallet Was Stolen From Me At The Mall After Telling Multiple People That Work For TD Bank That I Suffer From A XXXX XXXX And XXXX XXXX XXXX XXXX And I Have To Keep My Private Informations written Down In My Wallet They Still Refuse To Reimburse My Money And Continue To Deny My Claims

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: NY

Complaint narrative:
Information and documents were provided to XXXX in efforts to remove negative information being reported by XXXX, however XXXX has not removed the negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: NY

Complaint narrative:
Information and documents were provided to XXXX in efforts to remove negative information being reported by XXXX, however XXXX has not removed the negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: MA

Complaint narrative:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, XXXX, and experian ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the following fraudulent inquiries from my Transunion credit report : XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/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 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Credit Services Inc.
State: OK

Complaint narrative:
First Credit Services XXXX  This company calls me multiple times a day and it's always a foreigner making the call which leads me to believe it's a scam even though the number is out of XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: VA

Complaint narrative:
On several occassions, I have disputed a XXXX XXXX XXXX  / XXXX XXXX XXXX   account that was paid in full to the creditor on XX/XX/2018. I have sent the documentation that I received from XXXX  to Equifax and XXXX that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX and they advised I contact the two credit bureaus ( Equifax and XXXX ) and have them call XXXX  with my authorization to verify the status and balance of the XXXX account. I have called Equifax and they refuse to call XXXX  and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My tax refund was deposited into someone else 's account, I contacted the IRS they said if the account does not have my name on it the bank is supposed to return the deposit however that was not done. IRS said the bank will need to return the deposit. Chase bank stated that my name is on the deposit however they can not return the deposit because it went into an open and active checking account. It has now been two months, Chase still says there is nothing they can do. The IRS stated they submitted a reclamation however Chase has not returned the funds. I've had a few NSF charges due to my missing deposit but Chase will not assist in any form or manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc
State: NH

Complaint narrative:
A prepaid car rental reservation totalling XXXX  euros was made on XX/XX/XXXX via the Merchant 's website, XXXX. After the rental period, which was from XX/XX/XXXX -XX/XX/XXXX, a refund of XXXX euros was due as the total rental charges were only XXXX euros. At the time of the vehicle 's return, rental agents informed me that they were unauthorized to issue the refund being that it was a prepaid rental, therefore, a dispute/investigation was launched via XXXX XXXX ( the method of prepayment ) to obtain said refund. After four ( 4 ) disputes, XXXX XXXX  resolved the issue in my favor, as the Merchant purposely submitted erroneous invoices for the aforementioned disputes and was unable to substantiate its claims. Instead of issuing the refund of XXXX euros, the Merchant referred the matter to their internal collections department for non-payment and have engaged in a harassing dunning campaign for non-payment of a fictitious " debt '' by sending collections letters dated XX/XX/XXXX and XX/XX/XXXX The Merchant has been contacted on numerous occasions via email and telephone and has engaged in ghosting and does not respond to email or telephone inquiries. On XX/XX/XXXX, case # XXXX was opened up by the Merchant to internally investigate the matter, however the Merchant has failed to provide any outcome or resolution to said case and has failed to respond to numerous follow-up email inquiries. The most recent contact with the Merchant was via telephone ( XXXX ) XXXX onXX/XX/XXXX at XXXX in response to their latest collections letter dated XX/XX/XXXX.  After six ( 6 ) minutes with representative " XXXX '' during which the entire situation was explained, the representative put the call on hold and then hung up on the call. Three ( 3 ) callback attempts were made to reach the representative again. The expectation is that the Merchant immediately cease and desist this fraudulent dunning campaign. Failure to cease and desist will result in further legal action being taken against the Company ( XXXX XXXX XXXX ) and/or its representatives. On XX/XX/XXXX, the Merchant informed me that the falsified " debt '' had been removed from the account and that the account balance was XXXX and reinstated rental priviledges, however, the Merchant had already contacted third party collection agency, Vengroff Williams ( www.vwinc.com ) to pursue collection activities. Merchant stated they informed Vengroff Williams that the " debt '' was invalid and cleared, but has not provided documentation supporting this claim.

This complaint has also been filed with the Federal Trade Commission on XX/XX/XXXX, Case XXXX / XXXX XXXX XXXX / XXXX  Internal Investigation Case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I receive over 5 calls a day from various numbers that all go back to XXXX XXXX. They are now starting to call my place of employment multiple times a day. They have been asked to not call. They continue to call. When people to speak on the phone they are harassing and rude and scare me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a prepaid accou t with chase on or around theXX/XX/2018. And deposited approx {$1000.00} of my pay check. I made two transactions and the account was frozen by the bank almost immediately after I responded to a fraud warning when I was trying to use it that same evening. Since that moment Chase employees have lied to me at every turn. Clearley not mistakes willful and spite filled lies about the amount location and projected payment date of the few hundered dollar balance. Today alone the status of the account I was told on Monday would be closed Wednsday was said to closed then I was told open and suspemded before they settled on it being closed and the check procceced as reason that I could not come to a branch and simply withdraw the funds. I have been told the entire time this was not possable but today apperently it is. I don't trust banks clearly and know full well they serve no legitimate function but still feel their unique status and the public allowances granted them to circumvent trust laws and sound bussiness practices complells them to some degree of honestly. Or at least have some law that prevents attempts to insight violence with hired thug security or telling abject lies to the faces of their customers. How long must I wait before I can charge late fees and interest compounded as they do us? Or is this a totally one sided government forces exploitation bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have a closed credit card account with Navy Federal Credit union. The card did go into default, but several months ago the parties came to an agreement regarding repayment. The account has been paid on time in accordance with said agreement -- payments in the amount of XXXX per month for an agreed upon period of time. The bank continues to report this account in default and in collections when it otherwise should not be, and which is contrary to the terms of our agreement. Moreover, by not updating the amounts received and a reduction for the purported balance owed, the information being reported is inaccurate. 

Also, I have requested now on numerous occasions to be sent a copy of the agreement that was reached prior to the first {$150.00} that was paid. It has now been three payments later ( 3 months later ) and I have yet to receive a copy of our agreement. I have now made several calls attempting to address this issue with the bank and they refuse to provide the agreement. This information I am told is well documented in the notes on the account as a reference for your investigation. 

In addition, I have notified XXXX, along with the other major credit bureaus of this issue and they have not been able to resolve this problem. 

I am requesting that the company remove this account from collections and notify the three major credit bureaus of this change to the status of the account.

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