vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My mortgage company, XXXX XXXX, won my home at auction with XXXX on XXXX XXXX, 2017 that XXXX XXXX XXXX listed on behalf of XXXX XXXX XXXX XXXX XXXX. All Documentation was completed and returned to XXXX XXXX XXXX XXXX as requested completed and signed on XXXX XXXX, 2017 at XXXX XXXX PDT. The Affiliated Business Arrangement Disclosure Statement was signed by the listing broker, XXXX XXXX XXXX XXXX signed on XXXX XXXX, 2017 at XXXX XXXX PDT and the seller Ocwen Loan Servicing, LLC Regional Sales Manager signed it on XXXX XXXX, 2017 at XXXX XXXX PDT. I believed everything was completed in accordance to the law, how ever I was notified on XXXX XXXX, 2017 that listing broker, XXXX XXXX XXXX XXXX agent for my mortgage companys other transactions wanted to interpret the contractual law herself and is now hindering my lawful access to my residence while the keys were already given to me. I feel that I am being discriminated against because my ethnicity and is and will try anything to hinder my lawful dwelling in my new residence. They are violating florida statute XXXX and all applicable florida real estate laws that are part of title 33 chapter 494 of the florida  statutes. You can feel free to contact XXXX XXXX He was the person managing the purchase. They are also committing securities fraud seeing how they are hindering funds that have been assigned to a fund that is part of a mutual fund. Please help resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In early 2017, I applied for -- and was approved for -- a Macy 's branded American Express ( i.e., open loop ) credit card, which is issued by Department Stores National Bank ( hereinafter " DSNB '' ), a subsidiary of Citibank. The card was given a {$7000.00} credit limit. I utilized the card heavily, charging several multiples of the credit limit. This often resulted in later-declined charges and fraud blocks on the card that became inconvenient. However, all bills were paid on time and all charges were authorized by me. In early XXXX, 2017, I had anticipated the need to make multiple large charges on my Macy 's American Express. As a result, I overpaid the balance by making in-store payments. This resulted in a substantial overpayment. My hope was that this would allow me to make continued charges on the card without the inconvenience of continued blocks on the card. Unfortunately, shortly thereafter, the card was locked. When calling the phone number on the back on the card, I was immediately routed to a representative ( usually with a 20-minute wait ) instead of the XXXX. This resulted in multiple inquiries about the status of the card. Despite answering all the questions related to the card 's usage and payment history, the card was not unlocked. In early XXXX ( a month after the card was locked ), I spoke with a representative from DSNB 's fraud team who indicated that the card was locked and that there was " no timetable for the lock to be removed. '' As a result, I requested that the credit balance be refunded to me, and the representative assured me it would be. In early XXXX ( XXXX XXXX, 2017, specifically ), having received no refund or even any indication of a refund on the electronic card-management system ( XXXX XXXX XXXX XXXX ), I sent a certified letter ( return receipt requested ) to the address of record for Department Stores National Bank indicating my written request for a credit balance refund in accord with 12 CFR 1026.11 ( a ). As noted in this code section, upon receipt of the written request, the creditor has seven ( 7 ) business days to return the credit balance to the consumer. Per return receipt, the letter was received by DSNB on XXXX XXXX, 2017. As of today, XXXX XXXX, 2017, the electronic card-management system still shows no record of a credit balance refund. As such, DSNB and its parent, Citibank, are in violation of federal law. To avoid continued dispute, please refund the credit balance to the cardholder immediately.

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 2017-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Reference CFPB Case XXXX Hi team, I appreciate the support here. However, CapitalOne did not resolve this issue, and the answer has incorrect information about what happened. To clarify it : First, the answer given by XXXX XXXX stated : " Our records confirm, on XXXX XXXX, 2017, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XXXX XXXX, 2017 ''. That is NOT CORRECT! They never sent it to my current address. NEVER! Secondly, the total amount stated in their formal answer is not the CORRECT amount. The correct number is a total of {$2300.00} Details Checking - {$110.00} Savings - {$2200.00} I did call them and they confirmed by their support, they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " Security Number '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I have bills to pay, and I 'm not PAYING it because this mess caused by them. When I requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet. Thank you very much. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX, XXXX and Trans Union are not responding to my requests to investigate, verify and remove XXXX account from my credit reports that does not belong to me.

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 2017-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
After reviewing my credit report I noticed a account I was unfamiliar with from a debt collector LVNV Funding LLC C/O Resurgent Capital for a total of {$900.00} I sent you a requests for Validation not a requests for verification or proof of my mailing address, on XXXX XXXX, 2017, XXXX XXXX, 2017 and finally on XX/XX/XXXX.All in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g , Section 809 ( b ). Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. In a good faith effort to resolve the matter amicably, I stated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their ( LVNV Funding LLC ) authority in this matter. I advised absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. LVNV Funding LLC sent to me a printout they had generated with sale ledger and of a copy of a bill statement from XXXX XXXX with my name on it. They have not provided any type of contract showing they have the authority to collect or official documentation showing they own the debt but continue to report negatively on my credit report despite 3 written requests for validation they ignored.
LVNV despite my valid request for validation have sent numerous letters stating they are reviewing the account but provide no results. They have even gone as far as to offer me a pay for delete offer through their sister company. They openly violate the FDCPA and refuse to validate any debt but stall and delay in order to undermine the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have submitted documents to consolidate all my student loans so that I wont have so many different student loan accounts. I have also submitted information on line to set up a repayment with Navient and I have never received a phone call or any thing in the mail. Also I never graduated from XXXX due to the school closing before the term of my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL

Complaint narrative:
My mortgage company, XXXX XXXX, won my home at auction with XXXX on XXXX XXXX, 2017 that XXXX XXXX XXXX listed on behalf of XXXX XXXX XXXX XXXX XXXX. All Documentation was completed and returned to XXXX XXXX XXXX XXXX as requested completed and signed on XXXX XXXX, 2017 at XXXX XXXX PDT. The Affiliated Business Arrangement Disclosure Statement was signed by the listing broker, XXXX XXXX XXXX XXXX signed on XXXX XXXX, 2017 at XXXX XXXX PDT and the seller XXXX XXXX XXXX, XXXX Regional Sales Manager signed it on XXXX XXXX, 2017 at XXXX XXXX PDT. I believed everything was completed in accordance to the law, how ever I was notified on XXXX XXXX, 2017 that listing broker, XXXX XXXX XXXX XXXX agent for my mortgage companys other transactions wanted to interpret the contractual law herself and is now hindering my lawful access to my residence while the keys were already given to me. I feel that I am being discriminated against because my ethnicity and is and will try anything to hinder my lawful dwelling in my new residence. They are violating florida statute XXXX and all applicable florida real estate laws that are part of title 33 chapter 494 of the florida statutes. You can feel free to contact XXXX XXXX He was the person managing the purchase. They are also committing securities fraud seeing how they are hindering funds that have been assigned to a fund that is part of a mutual fund. Please help resolve this matter.

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 2017-07-22 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase has stated it did an investigation and did not receive any letters of dispute. Chase did not do an investigation. On XXXX XXXX, 2017, I sent Two letters of BILLING ERRORS and requested specific documentation. USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX and USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX. I received no response. On XXXX XXXX, 2017, I sent a second Notices. USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX and USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX, requesting specific documentation. I received no response to the questions stated on the BILLING ERROR. Under the FCBA the Creditor has 30 days to respond, no more than 2 billing cycles, and 90 days most! All of that has come and gone with no response to my concerns or questions. This constitutes the alleged debt cancelled, without negative marks on my credit report under the FCBA. I no longer have a valid agreement or contract with CHASE and will excersise my administrative rights under the full extent of the law. Any further contact or attempt to collect will be considered harassment. I reserve my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: TX

Complaint narrative:
I have been a VICTIM of inquiry issue. Multiple hard inquiries on my report that I do not recognize from, I have written to the creditors and credit bureaus asking to investigate these unauthorized inquiries on XXXX XXXX, 2017. The response I received is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am XXXX XXXX writing a complain about Chase bank regarding my Chase Freedom Unlimited credit card with them ive fell on extreme hardship and i need some relieve.when i tried to contact chase card services they 've refereed/transferred me to a credit counseling services, but i was n't looking for that.i have a balance of about XXXX XXXX on it right now and i was looking for chase to postpone my payments for about 1-2 years with not reporting me to the credit reporting agencies. Thats how long it will take me to save up the money.I have talked to XXXX XXXX and he suggested to file a complain if they dont do anything.Im on the verge of fling for chapter XXXX bankruptcy and credit counseling services is not an option because im working on getting my credit file restored that would look bad on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: OH

Complaint narrative:
I have tried to send {$1900.00} to XXXX through Remitly on XXXX XXXX 2017 and they promised to deliver the funds by XXXX XXXX 2017, which did not happen. I called the customer support they said that are having technical issues and still need some time to deliver. I called on XX/XX/XXXX and inquired about this, they said still they are having issues. I wanted my money back, they are saying that it can not be refunded until 10 business days. This company seems to be fraud, I am worried about the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
Recently had a credit report pulled by a loan officer for a mortgage preapproval. I am enrolled in credit check monitoring through my bank. The service is provided by XXXX. However, The report provided the loan officer I am working with by Factual Data contained quite a bit of inaccurate information to include inaccurate credit card balances, mortgage payment amounts, and all 3 credit bureau scores were incorrect.
More specifically, My most recent credit score is above 800 for all 3 bureaus yet Factual Data Bureau Express, shows my 3 scores well below that. Also, it shows credit card balances thousands of dollars more than they actually are. I feel this information could be detrimental in the loan approval process and is very upsetting, as a home purchase is one the biggest decisions one may make in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XX/XX/XXXX Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX XXXX : Synchrony Bank Credit Card access Blocked I am Synchrony bank customer member since XX/XX/XXXX and I am enjoying all benefits since begin. XX/XX/XXXX I am try to use my credit cards and its not working. I am so disappointed all my synchrony bank credits card blocked without any future informing .Please explain to me why is blocked my all credits card after 2 years using. Following credit card blocked - Care credit Account ending in XXXX - CarCareONE Account ending in XXXX - Chevron and Texaco Visa Card ending in XXXX -JCPenney Credit Card ending in XXXX -GapCard Account ending in XXXX -Old Navy Card Account ending in XXXX XXXX, XXXX XXXX Account ending in XXXX -Amazon.com Store Card account ending XXXX XXXX -TJX Rewards Credit Card account ending in XXXX -Walmart Master Card account ending in XXXX XXXX XXXX Card account ending in XXXX - XXXX XXXX Visa Credit Card account ending XXXX -XXXX  XXXX Credit Card account ending XXXX attached my income details Bank Statements, Pay Stubs Physical address verification ( Credit Card Statement XXXX ) and Permanent Resident Card and California Driver License Please reactivated my cards as soon as possible. You need more information call me ( XXXX ) XXXX Thanks. XXXX 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 2017-07-22 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
They would try to agressively collect money from me over the phone. I paid them all of the money I owed. They would n't work with the repayment arrangement and I have derogatory information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2017 I charged {$510.00} onto my account.I made my first payment in the amount of {$150.00}, on XXXX XXXX, 2017. After being handed a late fee my remaining balance was {$540.00}, i was then charged a finance charge in the amount of {$12.00} and then credited {$12.00}, which left me with a remaining balance of {$390.00}. On XXXX XXXX2017 I made a payment in the amount of {$390.00}. I was assured by the customer service representative that my balance was completely paid off. To be clear, all payments were made over the phone with a live customer service representative. On XXXX XXXX, 2017 I came to the realization that I was being charged {$84.00} in late fees, an amount I i paid immediately to avoid any further fees, but by this point it was too late and I was red flagged on my credit report which spiked my credit score to an abysmal XXXX. Although i am not disputing the fees, I do feel cheated, since i was given false information by the company when I was told that my account was paid off. When i contacted the company after learning of the dramatic change in my credit score, the only help they offered was a {$30.00} credit on my account, which i refused since i have a balance of {$0.00} anyways and those {$30.00} would not improve my credit score. i am not looking for any financial compensation i am simply seeking for help restoring my credit score since their false information lead to its dramatic fall.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-22 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I tried for 4 months to get a forbearance or an income based repayment plan. I sent in the paper work needed and for four months they kept telling me that I needed different paperwork to be completed. In the meantime, my student loan went into default because they kept jerking me around when I was trying to keep it out of default. The IRS ended up taking my 2016 refund because Navient allowed my student loan to default thru the never ending process of an income driven repayment plan. I ended up calling another student loan service called XXXX to consolidate my student loans and to get them out of default. Navient ruined my credit and also took money from me. I feel I am entitled to a refund because of their negligence and incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: MD

Complaint narrative:
They would try to agressively collect money from me over the phone. I paid them all of the money I owed. They would n't work with the repayment arrangement and I have derogatory information on 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 2017-07-22 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: MD

Complaint narrative:
They would try to agressively collect money from me over the phone. I paid them all of the money I owed. They would n't work with the repayment arrangement and I have derogatory information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
They would try to agressively collect money from me over the phone. I paid them all of the money I owed. They would n't work with the repayment arrangement and I have derogatory information on 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