vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchase sofa bed from XXXX using business credit card. The sofa bed was broken frame under seat cushions broken within 1 week. Maufacturer denied return nor exchange while their return policy is 180 days. I did send copy of XXXX return and policy to Chase credit card. We purchase on XX/XX/19 and bring it back to XXXX for return on XX/XX/19. 
I file dispute with chase credit card on XX/XX/19 and they said that they send out notice to me on XX/XX/19 to get more information but I have not received any notice, then I miss phone call from customer service, he left me voicemail to call him back but I keep call back and left him voicemail but I have not received any call back. Here is the number I got from my voicemail XXXX ext XXXX. After that I received a letter from the bank state that they have been investigate and consider the transaction is valid. I did not put in dispute due to transaction is not valid, my dispute regarding the item that I purchase is defective and can't exchange. I did ask to re-open the case again because when I spoke to customer service he said that dispute department need more detail information on how is it damage and some proof that when I send request to re-open the case I did send copy of XXXX return and exchange policy, also detail explain how is the item broken and damage. Chase credit card did not bother to send my dispute and inquiry to the merchant request explain from merchant regarding customer dispute on the charge. Instead of doing that they hurry up close my case without any explain to customer. I feel like I don't get protect as customer, I feel like chase card don't have any responsible to help out there customer. If I can handle that matter with XXXX   where I purchase merchandise, I don't need help from my credit card company to protect consumer right. Chase card dispute department really don't care about their customer right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I received a letter in the mail XX/XX/2019 from PHH Mortgage Services stating they have been bought out by XXXX XXXX XXXX XXXX and that I can update my privacy preferences by calling XXXX. When I called the number it did not allow me to update my preferences and I could not speak to a person. Next, I called PHH customer service and asked for someone to update my privacy elections. I was given the number XXXX which is a fax number. PHH customer service rep told me he can not update my privacy elections on my behalf even though I gave him sufficient verification that I am the correct person. There is a form on the letter that I can mail in ; however, if both phone numbers given to me by PHH dont work why should I expect that they will process a mailed in form correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
Dear Sirs or madam I have obtained my report, this account COMENITYBANK/VICTORIASSECRET XXXX XXXX XXXX XXXX, OH-XXXX shows numerous error ( s ) This is Not a Data Factoring account. Please remove this. 
It reports a One Month term which is false. Please remove this.

The Estimated date of removal for the CA does not match the date that the original creditor, reports. Please remove this.

The Date of First Delinquency with the Original Creditor is not provided Please provide this. Please remove this.The Date of First Major Delinquency with the Original Creditor is not provided Please provide this It has never been 12080 days late. Please remove this. The Balance is not correct. please remove this. 

I await your response, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I used TCF atm XX/XX/XXXX around XXXX to XXXX for make a regular monthly deposit for make an specific payment on XX/XX/XXXX of the month, at the beginning I just put {$500.00} and suddenly ATM stop working gave me a msg " THIS ATM IS UNABLE RETURN YOUR ITHEMS PLEASE CONTACT YOUR BANK '', I did and supposed they gon na investigated and until this date nothing, I stop three times at the agency they checked cameras, and the answer was I have more money in my hands.

for a information in my account XX/XX/XXXX of every month I deposit XXXX  for a university payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have never given Experian any authorization to contact me, much less created an account with them. Yet Experian has sent me harassing and misleading marketing emails 11 times between XX/XX/XXXX and XX/XX/XXXX. They say things like, " There's an issue with your account, '' or, " Alert : Change to your credit file detected. '' It always turns out that there's nothing wrong with my credit ( my score averages around XXXX ) ; it's just a scam that they use to introduce me to new financial products. 

These are all ploys to get me use their services. Emails to them asking them to stop do not work. There is no unsubscribe option in these emails to begin with. Their website does not provide an email method of contact. Using the phone options, they stick in you in an endless loop of collecting your information without letting you talk to anyone, and then hanging up on you. It's impossible to speak to a human being.

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 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I took a 30 year home loan for {$180000.00} on XX/XX/XXXX. I have since paid the remaining balance down to {$170000.00}. I paid 5 % down on the original home price of {$190000.00}. I was required to have PMI. 

Since our original purchase, our home value has increased dramatically. We invested heavily on a remodel, as well as general home value increasing in the neighboring area. I have attempted multiple times to remove my PMI with Freedom Mortgage and have not received any recognition or response. 

In XXXX, our tax assessment increased to a total of {$210000.00}, which means our ratio was close to the 20 % threshold. I wrote a written letter on XX/XX/XXXX and requested that our loan be reviewed and if necessary, I would pay for an appraisal to show the value had increased. I received no response. 

On XX/XX/XXXX I received an updated tax assessment of our home being valued at : {$240000.00}. At this value, we have significantly beyond the required 20 % ratio. 

On XX/XX/XXXX I called and requested PMI to be removed. The customer representative once again reiterated the need for the letter to be written, but explained that an email with an attached letter would suffice. She said they would respond with the approved appraisers to use. 

On XX/XX/XXXX I wrote an email including an attached letter requesting PMI removal again. I explained that I would pay for a re-appraisal to prove the updated home value if necessary. 

On XX/XX/XXXX I followed up on the email and explained if I did not receive a response by XX/XX/XXXX, I would be following up with the CFPB. 

XX/XX/XXXX -- I have received no response from Freedom Mortgage. 

After repeated calls and written letters via postal and email, I have received no response to my request to remove PMI.

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 2019-07-02 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: OH

Complaint narrative:
I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately. You can not keep telling me you vaildated something and it still report false. Equifax and XXXX both of completely different information from dates they have, to payments, to credit limit to high balance and so on and this is a huge violation and need to be DELETED NOW HUGE VIOLATION OF MY RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
My mortgage account got transferred to PHH Mortgage Services from Ocwen back in XX/XX/2019. Either Ocwen nor PHH Mortgage has sent me any letter stating account was scheduled to be transfer or has been transferred. I called to make my XXXX 's   mortgage payment and that is how I found out the account has been transferred. Called PHH but they have been refusing to accept my mortgage payments with one excuse or another. And now, they are saying only way I can make a payment is to pay four months worth of mortgage payment. According to my record, I owe for XXXX, XXXX and XXXX, as of my last conversation with PHH, which was on XX/XX/209. I request they provide a detailed account transaction history so I can see how they are saying I am behind for XXXX, XXXX, XXXX, XXXX and XXXX. I also request they immediately accept my payment and we can figure out why there is discrepancy in the meantime. I also request they correct their error and send all correspondence to my XXXX  XXXX XXXX, XXXX, WA XXXX, address. I also request PHH to correct their error and start sending me monthly mortgage statements which they have failed so far. I have included more detailed complaint and I request to use this note in conjunction to more detailed complaint attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately. You can not keep telling me you vaildated something and it still report false. XXXX and transunion both of completely different information from dates they have, to payments, to credit limit to high balance and so on and this is a huge violation and need to be DELETED NOW HUGE VIOLATION OF MY RIGHTS

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 2019-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Complaint case # XXXX To The Ladies and Gentleman of The Banking Commissioners Office, CFPB, Director XXXX XXXX, Acting Deputy Director and to my neighbors and countrymen.

For all practical purposes, the commission is a front that allows lenders to do as they see fit regardless of the law.

If a consumer complains to the Bank Commissioner about a lending agency, the case is immediately closed out, once the lending agency responds in writing to the CFPB. This policy does not allow the consumer to rebuttal. This consumer protection policy is " no policy at all '' and is pro lender.

Lending agencies such as Capitol One, know this and hand out gibberish response to complaints that defy logic and they are never examined by The Commission.

Brother XXXX  In God I Trust

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
I paid this account in full do not owe. I talked to customer service reps several time saying I still owe. I am being harassed at home and by mail. Harsh collection tactics

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 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XXXX XX/XX/2019, I submitted a support ticket to Coinbase requesting my 2 Factor authentication be removed in order to allow me to access my account. I requested this service due to the fact I broke my phone and lost access to the XXXX XXXX XXXX on my phone. For awareness, 2FA allows for an additional layer of security to be implemented on many accounts. 

I received a reply on XXXX XX/XX/2019 @ XXXX EST requesting that create a new account in order to verify my identity and phone number. I complied with the request and submitted all the documentation. I was fully verified by XXXX EST on the same day. 

I currently possess XXXX Bitcoin currently store on Coinbase, which as of writing is valued at {XXXX}. I am unable to access my account and $ $ $ due to Coinbase not removing my 2FA as  requested. I attempted to contact customer support via XXXX and the automated service hung up on me immediately after stating " all representatives are busy and to submit a ticket online. '' This company is growing to provide adequate customer service. This is a financial institution regardless of anyones feelings of cryptocurrency. They transfer hundreds of thousands of dollars an hour in and out through different mediums. This is unnacceptable. 

A simple search will demonstrate this company has hundreds, if not thousands of complaints of month/s long tickets not being processed. Money lost to investors and a complete disregard for the well being of their customers. 

I would like my case looked into and resolved, I am sure I am not the only one. 

My ticket number is XXXX. 

I have gone as far as creating new tickets with the previously listed number as the titled issue. They simply cancelled the new tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Our mortgage was transferred from XXXX to Shellpoint New Rez. When they did this, I set up a one time automatic payment thru my bank to NewRez to cover the 1st pmt. I paid {$1800.00} on XX/XX/19, which is the full mortgage payment for XX/XX/2019. NewRez then did an ACH for {$1800.00} on XX/XX/19, and took another ACH for {$1800.00} on XX/XX/19. I have called for a refund of the two erroneous payments. At first they told me that I must prove that they took the XX/XX/19 pmt, which I did. I have since spoken with at least 7 different reps at their call line, who each tell me that they are escalating. Each time they do this, they tell me that it will be 2-3 days, 24-48 hours, 4-5 days ... for us to see the refund in our bank account. I completed the " Contact Us '' on their website 3 times, I faxed them with confirmation, and I also wrote a snail mail letter as they state that we have rights under the Federal Gov't. All of these attempts have provided NO response from this company. They destroyed our budget and put us in a negative with other debtors when they pulled a total of {$3600.00} that they were not entitled to. On top of this, the statement then showed that the next pmt was due XX/XX/2019, which is also incorrect - based upon these payments no pmt was due until XX/XX/2019. They've now moved the {$3600.00} to " Unapplied Balance '' so it is not benefiting the interest on the mortgage either. I was told yesterday that this was escalated to this person 's supervisor who is the only one who will be able to find out why the escalations have not brought results. I was on the phone again today filing another complaint. I am now told that a XXXX XXXX will call me within 24-48 hours, so again we wait. Since it is XX/XX/2019 and payment is due no later than the 15th ( and I never wait this long ), they offered to move the unapplied balance to the loan. I don't trust them to do this, so filed the complaint once again today requesting the refund. I gave them the bank and routing number in one of the previous calls and was told we would see the funds back in our account within 24-48 hours. I have removed the banking information on our account with them so they can not do this again, and have set up automatic payments through our bank, but this does not resolve the situation that we have with them now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
According to both parties : XXXX and XXXX XXXX, 2 personal checks were sent to me as a refund from the funds that XXXX sent to the University. I have been asking for the copies of the cancelled checks for years. They can not produce them and they have now defaulted my student loans. Threatening legal action. The transactions supposedly took place in 2008, but did not show up until recently. They continue to say these are valid and I was asked by XXXX if I could prove that I did not receive the money? Why are they permitted to be unaccountable?

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 2019-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
After getting XXXX and being out of work Navient our my loan in forbearance and each year adjusted my payments based on my income. But the payments were apparently interest only but the amounts didnt cover interest either. 

By the time I had a XXXX child two years later and we attempted to do forbearance again we noticed our loan balance actually went up over the course of 3 years because our payments that were decided for us didnt even comer all the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: LA

Complaint narrative:
On XX/XX/XXXX I contacted Transunion to resolve the issues i have with my credit report and their customer service would not help and take care of the negative inquiries reporting to your credit report. 
Also in XX/XX/XXXX, I mailed documents to Transunion telling them about these issues about the inquiries i have on my report. They told me i did not send in any documents but they were sent certified mail. 
In XX/XX/XXXX i worked with a credit repair service whom also mailed certified mailed documents to Transunion but no actions were taken. 
In XX/XX/XXXX i spoke with Transuion to let them know my social security number was compromised and a freeze was placed on my account. But they are still allowing me to have issues with my account. 
I would like to get these issues taken cared of quickly as possible. I have been trying for the last 2 years to get Transunion to take care of an issue and i haven't received any help as far. 
I would like these inquires removed from my credit report in a timely manner.

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