vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
I was tricked by Fake News put on the internet by a " merchant '' /Criminal using pictures of President Obama and Mrs. Obama and indicating their approval of the products of the company. Then it offered to ship samples at minimal costs ( @ {$4.00} and {$5.00} ) to lure consumer to give Credit card information. Soon after the initial samples, the " merchant '' /Criminal started repeated billings of the products at much higher prices ( @ {$89.00} and {$85.00} ) -- not even shipping thee products. The first round of billings of High Prices were made XX/XX/XXXX. The second round of billing at High Prices were madeXX/XX/XXXX ( @ {$91.00} ). I protested to Discover as soon as I received the first round of unauthorized billings at High Prices and pointed out it was a fraud perpetrated on consumer. Discover initially reversed the charges. However, After the " merchant '' /Criminal made the second round of unauthorized billing, they submitted some kind of " documents '' and proof of shipping of the third billing, Discover went along with the " merchant '' /Criminal and reinstated the reversed charge to my account. That happened to my closed account ending XXXX which carried over to my new account ending XXXX. Discover made another mistake charging my new account ending XXXX  for that particular billing of {$90.00} again, Making me owe the same amount twice!

In my repeated protests made to Discover, not only that I explained the nature of the consumer fraud but repeatedly urge them to cooperate with the authorities to investigate the Criminal enterprise but to no avail.

Now Discover is threatening to report to Credit agencies for my non-payment of the Double charges of the one Unauthorized billing on my account.

The issues here are the Consumer Fraud perpetrated by the " merchant '' /Criminal and the mistake of double charges for the same item ( once on the old account which was carried over to the new account and again charged the same to the new account ).

Again, I wish this case of Fraud to be referred to an authority for investigation and prosecution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
On XX/XX/XXXX I sent Certified Mail to all 3 Credit Bureau. Equifax / XXXX and XXXX. Requesting verifiable proof of the original signed consumer contract. Under the FCRA, Section 609 ( a ) ( 1 ) ( A ). And of today XX/XX/XXXX none of the 3 major Credit Bureau havent provided any original signed consumer contract.

Company : XXXX XXXX XXXXs / Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX Balance {$7000.00} / Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My husband and I purchased a home in XX/XX/XXXX and the loan is being serviced by LoanCare. At the beginning of XX/XX/XXXX, we received a letter from LoanCare stating that our mortgage was increasing by {$300.00} per month because our taxes had increased to {$4500.00}. I wrote back to them and sent a letter from the XXXX XXXX XXXX appraiser stating that we had filed a homestead exemption. I waited a few days then called to see if they had received the paperwork. They said that they had a nd that I would have an answer with regard to re-calculation by XX/XX/XXXX No one called me back. I called them back and spoke to a XXXX who told me the tax dept was working on it and that I would have an answer in 72 hours which would have been XX/XX/XXXX. No response. I called back on XX/XX/XXXX and spoke to two people, one named XXXX who told me that re-calculating normally takes 6 weeks. I asked to speak to a supervisor, he told me no one was available but that someone would call me back within 72 hours. Still no response. I have on two occasions requested, in writing, for an advocate, and have gotten no response! I now wonder if they are working on a re-calculation at all and where did they come up with the {$4500.00}. The County estimated our taxes at {$2300.00}. We are seniors and can not afford this {$300.00} per month increase, especially when we did our exemption. Can someone help us. This company it totally unethical and unresponsive.

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 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Company - XXXX XX/XX/2017 received a bill for {$1.00} and XXXX   Contacted Chase Credit Card disputing charge and was refunded {$19.00}. Afterwards I have been billed 3 times for a service I did not request. I have no record of requesting this service from XXXX.

I have called a XXXX  XXXX  and they ask for information i.e : name, address and last 4 digits of social in order to find the account, however they continued to ask for more information. I became uncomfortable giving them more personal information and refused to provide the information to them. They then told me they needed more information to help me close the account.

I would like to have all the money refunded to me and stop payment to XXXX.

Please - HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid my balance in full on XX/XX/XXXX my bill isnt due until XX/XX/XXXX. Capital one is holding on to payments until the payment due date to ensure interest charges are applied. I thought I was the only one experiencing this issue until I made a XXXX  dollar payment on my husbands credit card that I am an authorized user for. The payment will not post until XX/XX/XXXX although I made the payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from Transunion only, requesting a bunch of prove-you-are-you data. XXXX  phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.

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 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from XXXX  only, requesting a bunch of prove-you-are-you data. XXXX phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.

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 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
On XX/XX/XXXXa letter was sent ( received on XX/XX/XXXX ) to us from Freedom Mortgage stating that we are required to have wind and hail insurance for our property at XXXX XXXX XXXX   We immediately complied and purchase a policy from XXXX. Then onXX/XX/XXXX a letter was sent ( received on XX/XX/XXXX ) to us from Freedom Mortgage stating that we needed to verify wind and hail coverage from XX/XX/XXXX-XX/XX/XXXX. If we were unable to verify coverage, Freedom Mortgage would buy a policy for us, paying for it via our escrow account. We do not see how it is possible to purchase a policy for last year and be charged for a non-service. We also deem it unnecessary considering the year has passed and we do not have any claims for that time period.

Freedom Mortgage bought our loan from XXXX XXXX and up until receiving the first letter on XX/XX/XXXX we were unaware that we were required to have wind and hail insurance. Upon receiving the second letter on XX/XX/XXXX we contacted Freedom Mortgage about this issue. Freedom Mortgage admitted that it was their oversight that we did not have wind and hail coverage. We believe that it is unfair for us to pay for a mistake made by Freedom Mortgage.

On XX/XX/XXXX Freedom Mortgage will purchase a wind and hail policy for XX/XX/XXXX-XX/XX/XXXX using our escrow. We are disputing this charge. It is unfair because we were never informed prior to XX/XX/XXXX that wind and hail insurance was required.

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 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX. and XXXX XXXX.

are both out of line. I've already submitted a complaint about XXXX.

EXPERIAN has false creditors on my credit and even though i have disputed it along with the phone XXXX XXXX  address they had marked on my report they still allowed those false claims to remain.

Its not judicious for them to have everyone with a high score so they add, create, or keep things that shouldn't be there so the rating will drop.

Its all about ( shekels ) commerce. I command them to delete these erroneous things and make peace.

I'm one of the few who monitors my 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 2018-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Missing funds from Jpmc workers having closed an account without fully returning my funds. There is still money missing. Branch worker XXXX XXXX refused to answer questions that were asked which I requested to be mailed to me. Another branch Worker XXXX XXXX   was handling the missing funds then, irresponsibly just ignored the emails, causing unnecessary deposit fees when I questioned XXXX   whether my {$370.00} could be deposited or? I went to her coworker XXXX, so, I let XXXX off to not need to respond anymore, but I can not keep allowing all these such workers at XXXX XXXX XXXX   branch replacing another worker then, when the concerns get too inconvenient or complex, these workers abandon its duties to their employer 's clients, leaving the concerns unresolved to completion. These workers are not doing their job. They are being irresponsible by either pushing it to other coworkers or ignoring handling it to completion. The concerns are left in the middle of being handled, begun, never finished. So, Jpmc just allows its workers to leave stuff not completed by ignoring to service whatever its job it is supposed to do? I still need Jpmc to take care of the 2 concerns, one with my missing funds and the other that XXXX XXXX made the mistakes with the Retirement Services concerning an IRA distribution since 2017, over 1 year ago already!

Retirement services Worker XXXX XXXX  told me the distribution requests could not be processed with me having instructed him to handle it as the original instructions, he told me it could not be handled, which was being handled by XXXX XXXX, why all these differing explanations? Jpmc RS XXXX XXXX  arranged for whatever RS specialist to contact me at an arranged time, which they did not keep her promise to me that whatever RS worker would call after all the time arranging. Jpmc asked how satisfied I am? Who would be satisfied with such Chase workers ' lousy mistakes with no services that get mostly nothing done right? Kindly what to do resolve these messes done by Jpmc workers? Jpmc needs to have the concerns handled immediately as the Ira funds must be corrected prior to XX/XX/XXXX, it has taken Jpmc workers too long, these workers delayed it unnecessarily, never doing their jobs in any timely manners. It needs over a year to process 1 simple request?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX  and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: DISCOVER BANK
State: AZ

Complaint narrative:
I have several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: GA

Complaint narrative:
XXXX XXXX is reporting inaccurate information to TransUnion and XXXX. First of all, the original and actual loan date was XX/XX/XXXX. In other words, the actual Date Opened calendar year was XXXX, over 12 years ago, not XXXX as inaccurately indicated on our credit reports. QUESTION : Is the incorrect Date Opened XX/XX/XXXX a result of erroneous reporting from XXXX participation in the XXXX TARP bailout program? For Your Information : TARP was the Troubled Asset Relief Program initiated by the U.S. Government in XXXX to fund billions of dollars into financial institutions such as XXXX to restore liquidity due to excessive volumes of risky subprime lending and 2nd mortgages. In addition, the actual and correct Balance on this account was {$65000.00} not the incorrect exorbitant amount ( s )  indicated on this report. Also, the property associated with this account was sold in XX/XX/XXXX. However, even though we sold the property and no longer own the property, almost 10 days after the property was sold in XX/XX/XXXX, this adverse account appeared on our credit reports. Just to be clear, our goal is to maintain correct and factual information on our credit reports to avoid further negative financial consequences.

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 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: DC

Complaint narrative:
On XX/XX/2018 I sent Certified Mail to all 3 Credit Bureau. XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX. Requesting verifiable proof of the original signed consumer contract. Under the FCRA, Section 609 ( a ) ( 1 ) ( A ). And of today XX/XX/2018 none of the 3 major Credit Bureau havent provided any original signed consumer contract. 
Company : NCC Business Services / Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX Balance {$7000.00} / Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Jim Bottin Enterprises, Inc
State: AZ

Complaint narrative:
I am writing to file a complaint about XXXX XXXX and XXXX XXXX because they are knowingly charging me for two accounts and I only have one which should have been cancelled in XX/XX/XXXX.  And, they are leaving me 2-3 voicemails a day saying that my account is past due {$45.00}. XXXX refuses to waive the supposed late fee and wants me to pay an additional {$45.00} in addition to be double charged. Likewise, they will not cancel the open account until I pay that. In the meantime, they have charged me over {$200.00}. 

I have called XXXX and XXXX XXXX XXXX and they have not taken any action to resolve the issue. XXXX said I made an error by signing up online and in the gym, but their employee to pay online. So they say this is my fault not theirs. I obviously do not agree. The deposit which you can see on my account was {$1.00} and then I paid online as instructed. It is also nonsensical to have two gym memberships for one person. Therefore, they are knowingly participating in fraud. XXXX XXXX promised 3 times merge the account, correct the billing, and send a refund. And, they debited my checking account again today XX/XX/XXXX and continue to call me and ask for {$45.00}. 

I am asking for the return of funds of {$130.00} for duplicate dues and charges and for them to stop debiting my account.. Here is the accounting for the duplicate charges. 

Transaction History Institution : XXXX XXXX XXXX XXXX | Switch Account | Print Actions Description / Notes Date / Age Flags Category Merchant Amount Account / Number ACH Deposit XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX today XXXX {$24.00} STANDARD XXXX ... 
XXXX ACH Withdrawal XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX 19 days ago XXXX ( {$24.00} ) STANDARD XXXX ... 
XXXX ACH Withdrawal XXXX XXXX XXXX - ACH Trace XXXX - DATA : XXXX CO : XXXX XXXX XXXX - TYPE : CLUB FEES ID : XXXX XX/XX/XXXX 47 days ago XXXX ( {$64.00} ) STANDARD XXXX ... 
XXXX Bill Pay Withdrawal # XXXX XXXX XXXX XXXX AZ XX/XX/XXXX 60 days ago XXXX ( {$19.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 76 days ago XXXX ( {$1.00} ) STANDARD XXXX ... 
XXXX Bill Pay Withdrawal # XXXX XXXXXXXX XXXX XXXX AZ XX/XX/XXXX 87 days ago XXXX ( {$84.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 104 days ago XXXX ( {$1.00} ) STANDARD XXXX ... 
XXXX XXXX XXXX XXXX XXXX XXXX AZ - Date XX/XX/XXXX XXXX XXXX - Card Withdrawal XX/XX/XXXX 104 days ago XXXX ( {$4.00} ) STANDARD XXXX ... 
XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX, I was devastated by hurricane Irma. We spent XXXX days sleeping with our XXXX children in our car before FEMA could step in and find us a hotel. Everything in our trailer was destroyed. FEMA couldn't help us with the trailer. As a school teacher, I'm not afraid of hard work, but no one could work. I called my mortgage company and Capital one car loan. They granted me a two month reprieve. However, I couldn't catch up. I really tried. I worked extra seasonal jobs at XXXX. I was sleeping for four hours and working 20. Recently, I came to the realization that if I don't slow down, I'm going to die. I began to get migraines and numbness. An XXXX show that I need to be concerned about my health. I talked to my husband, prayed, and saw that the best option was to voluntarily surrender the car. I called Captial one on XXXX explaining that I wanted to surrender the car. The agent told me someone would call me to make arrangements. No one called. I called back on XX/XX/16 explaining that I removed the insurance on the car and I'm worried that someone will steal the car to please come and get it. The person on the line told me that my number was on the don't call list and unless I rescind that I would have to wait for the car to be repossessed. I am trying to mitigate my lost and capital 1 is trying to drag out the process to make me pay more at the end.

Company response to consumer: Closed with non-monetary relief