vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
When discussing the original loan estimate with XXXX XXXX XXXX # XXXX. She noted that in order to obtain my business, Quicken Loans would be offering {$3500.00} in lender credits, as well as Quicken covering the lender 's title insurance for my loan ( see email attached noting what Quicken would cover ). Multiple times during the call, I noted that it was {$3500.00} in lender credits AND Quicken covering the title full well knowing that a portion of title would be paid by the seller ( {$1000.00} as stated in our purchase agreement ). I signed the estimate disclosure which broke out the {$3500.00} in lender credits as well as {$910.00} in " Lender Title Insurance Adjust '' ( see attachment sent directly from Quicken ). I was under the impression that Quicken would be covering the roughly {$4400.00} in total closing costs per our discussion and the items signed. When I received my first closing disclosure, it was riddled with errors with Quicken trying to pass off seller paid closing costs as lender credits ( see attached ). It took numerous phone calls over a 3 day period to finally get any resolution. At that time my loan was ready to go and I received my final closing disclosure. As my current closing disclosure stands, when looking at total lender credits it totals {$3500.00} which incorrectly includes some title credits I thought were going to be in addition to the {$3500.00} I was receiving. Quicken is reporting the total seller paid title costs ( {$1000.00} ) as buyer paid ( {$910.00} included in section C. and {$160.00} included in section H. ) and then adjusting them out of the final cost to close ( which I should correctly not be paying ). The problem lies in that I was told per my estimate I would be getting {$3500.00} AND Quicken would cover lender title costs, currently in my closing disclosure it shows {$520.00} and {$570.00} in title lender credits, which is being incorrectly added into my lender credit total as those should be separate to lender credits. I spoke with XXXX 's boss, XXXX XXXX XXXX # XXXX, he stated that the {$910.00} in " Lender Title Insurance Adjust '' was always just Quicken backing out the seller paid portion of title which was not directly addressed to me when I signed for the original estiamte. The email, as well as the signed estimate disclosure mislead me to believe that I was in for a larger amount of closing cost covered that was actually given. I am due to close on in 1 business days and therefore do not have the time to discuss further and can not pull the loan now as it will jeopardize the purchase of the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this, and I just received auto template mentioned that I need to contact the Creditors/Companies that I haven't authorized them. I do not believe I authorized anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy  rights, and would like these hard inquiries removed completely from my credit file :

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 2018-06-28 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this, and I just received auto template mentioned that I need to contact the Creditors/Companies that I haven't authorized them. I do not believe I authorized anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and would like these hard inquiries removed completely from my credit file :

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 2018-06-28 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: U.S. BANCORP
State: CA

Complaint narrative:
Fidelity Investment Credit card was issued a refund in my name by XXXX in the amount of {$370.00} on XX/XX/2018. The monies were electronically transferred bearing Transaction Reference Number XXXX and Vendor Reference Number XXXX. The card to which this refund was applied was an XXXX card ending in XXXX. This card and account was acquired by Fidelity. 

The dispute case number provided to me XXXX. Please understand XXXX ( the vendor ) has accepted fault and refunded the monies without any issues. Fidelity has not posted the refund to my account. 

This refund should have hit my account without intervention. Unfortunately, the said amount is missing and can not be traced. The reference number that Fidelity issues electronically and vendor reference should be enough data to create a trace and locate credit issued by the vendor. XXXX ( the vendor ) are unable reprocess the refund due to the fact that the electronic refund was successfully acknowledged by Fidelity on XX/XX/18.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX is purposely preventing me from fixing my credit, please revie 11 page Attachment that shows unlawful debt collection practices regarding caking cops, among other things.

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 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Also there are several inaccuracies with this account the way it's reporting and that's a total violations of FCRA and FDCPA. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Data Corporation
State: TX

Complaint narrative:
My account was frozen in XXXX of 2018 due to the Patriot Act. I have submitted multiple times the information they have requested and the bank will not release my funds. Last correspondence with them was XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am on a graduation repayment plan with Nelnet because, like many other 30-somethings, I have a large amount of student debt. I pay consistently every month, often more than what my amount due is. I am currently stuck in negative amortization and while I am paying over {$200.00} a month for my student loan, I am accruing a interest at such a rate that all of my payments for the last year have only gone towards interest and my principle has still gone up over {$600.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX is purposely preventing me from fixing my credit, please revie 11 page Attachment that shows unlawful debt collection practices regarding caking cops, among other things.

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 2018-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX is purposely preventing me from fixing my credit, please revie 11 page Attachment that shows unlawful debt collection practices regarding caking cops, among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I made a large lump sum payment in ( XX/XX/2017 ) and specified in writing I wanted it applied to my balance not to future payments. This was not completed. I just learned today they misapplied my payment. The representative was rude when I asked to speak to a supervisor and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is showing 8 negative items. Each item could be substanuated by a police report or letter. Experian still did not delete the items. They do not care what they report. I have sent them police reports dealing with identy theft. XXXX XXXX is still on my credit. dated XX/XX/XXXX. It is XX/XX/XXXX delete it. XXXX XXXX is Identy Fraud. it is dated XX/XX/XXXX. XXXX XXXX was taken off the other two credit bureaus, not Experian. why, they do not care about the consumer.

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 2018-06-28 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Im writing this complaint is regarding a collection that has been added to my credit and I have been working with a representation name XXXX since XXXX. This is so unfair. I been provided wrong information and now this is effecting my life. Your company has added this collection to my account wrongfully. I have been working with XXXX since XXXX faithful every month. I would also like to point out that XXXX is a wonderful friendly person as well but I was advised that as long as I made a payment of the {$15.00} every month that the account wouldnt be added to my credit. When I seen it was reported on XX/XX/2018, I contacted XXXX and the only thing she could do was apologize to me. There were thing she told me that was the first time I heard any of them. We have spoken almost every single month since this was reported to your office. If I call and XXXX isnt available, I wait to talk to her because I love working with her. We have built a strong relationship. This collection has dropped my credit 40 point on XXXX, 25 on XXXX and Im not sure of XXXX because it hasnt been updated yet. I have held up my end of the agreement with XXXX to pay this balance and it isnt fair or right that your company isnt holding up theirs. Just like your company expects for a client to keep their word when they make promises to pay. Your company should keep the same trust to the client. The only thing I have had to go by was the word of your employee. I trusted your companys employee word. This account needs to be removed from my credit at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
They negligently or intentionally exposed me and my wife 's private information to the entire world. Such information included but is not limited to, full name, employment history, payment history, debt amounts, date of birth, social security number, etc. 

Their Director of Information Security merely had a XXXX degree in XXXX. Some of their top level passwords were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I been going back and forth for the last 4-6 months to try to resolve some adverse items on my credit report which listed with multiple inaccuracies. I've attempted to contact both the major credit bureaus and original creditors. These are total violations of FCRA and FDCPA. I demand under the provisions of FRCA and FDCPA that these items being investigated, validated and ultimately correct/updated or DELETED from my credit report.

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 non-monetary relief
Consumer complaint received 2018-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The following accounts/inquiries were taken off my credit report : XXXX, XXXX ( 2 occurrences ), XXXX XXXX XXXX, XXXX/XXXX ( 2 occurrences ), XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX, but all the items were put back on credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I received no such notification. This is very serious violation of the FCRA. These items need to be removed off my credit report.

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 2018-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
Origionl debt was with XXXX XXXX XXXX XXXX who wrote off the debt, the amount was charged to me as income and I paid state and federal taxes on that amount. Four years later XXXX XXXX XXXX  sent me a collection notice. I mailed their lawyer a copy of the debt right off. They still persisted. On XX/XX/2018 I sent Portfolio Recovery a check for {$2700.00}. On XX/XX/XXXX, Portfolio Recovery deposited the check. On XX/XX/2018 the check cleared the bank. Portfolio Recovery refuses to acknowledge payment. Disputes filed with XXXX XXXX, XXXX, and XXXX have failed. Copies of closed check sent to all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Repeated rude customer service from Fifth Third Bank and I fell complaint against the bank already has let me to close my accounts and doing cell Fifth Third has kept the savings account open after I requested for it to be closed past it's close day they actually did not close the account until I threatened to file another complaint against the bank then they close that account I finally was able to close my checking account and trying to close the XXXX XXXXXXXX prepaid account the rude Banker who I've had issues with before told me to close the account I would have to withdraw the funds when I withdrew the funds and try to close the account the bank or I spoke with said that the account can not be closed because there withdrawal I made off that card was still pending I asked her why the gentleman that was the teller didn't tell me that and will drawing those funds I would have to wait to still close the account I've waited well over a week now for the account to clear of the small {$2.00} I took out of the account I was told that I could call back into customer service with the XXXX card and have it closed when I called into customer service they refuse to close the card I was bounced around to several different departments and at this point I'm not going to continue going back and forth to the branch and calling the customer service to have this prepaid account open this is the second fraudulent account that the Fifth Third bank institution has failed to close at my request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have been scammed. I am a college graduate looking for a new job on the job search engine named XXXX. 
I received an email confirming to a position I applied for as an XXXX XXXX. 
I, at the time did not look far into it. I was told that my job would consist of XXXX XXXX. Within a couple of days, I received a check under my name with the instructions to deposit and let the employer know when the funds would be available. The first check, was made to be of {$3800.00}. I deposited it on Chase 's ATM inside the bank on XX/XX/2018. The funds on the receipt stated it was going to be available on XX/XX/2018. When XX/XX/2018 came, the funds were available to use. I told my " employer '' that the funds were available. The first transaction I did, was a XXXX to XXXX transfer to another individual of {$2500.00}. The second transaction was XXXX Gift Cards ( fifteen ) the amount of each {$100.00} which came out to be {$1500.00} in total. 

On XX/XX/2018 my " employer '' says that I would be receiving {$4800.00}. When I deposited the check it said that the funds would be available on XX/XX/2018. On XX/XX/2018. I received an alert on the chase bank app. When I called Chase tells me that my account has been put under restriction due to the check of {$4800.00} being a fraud. Chase customer service explains that it would be sent back to the bank/ account where it came from. I asked why was the second check alerted and not the first one and they had no concrete answer. I asked what will happen once the checks are returned and Chase mentioned that I will have to repay what I used which was the first check that was available on the XX/XX/XXXX. I must have called Chase bank more than three times and there was no help or sympathy towards the situation all they kept mentioning was that after both checks were returned I had 7-10 days to return the money or else my account will be closed.

I would like you ( whoever is reading ) to keep in mind that I have denied permission for Chase to front any transactions if the funds are not already available.

Company response to consumer: Closed with explanation