vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XXXX XXXX, XXXX I filed with this site complaint number XXXX regarding the RESPA I sent to JP Morgan XXXX XXXX. The excuse for this JP Morgan XXXX  XXXX not responding was that there was active litigation. The attached is proof there is none. I am requesting this complaint be addressed and answered now. Please see attached dismissal of XXXX XXXX XXXX Court case # XXXX has been dismissed. I am demanding JP Morgan XXXX  XXXX now respond to this RESPA in FULL. I have seen the note and mortgage for presentation, but nothing else.. This RESPA needs to be answered in Full now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I submitted an Identity Theft Affidavit to the CRA who then notified PROFESSIONAL CREDIT MANAGEMENT that all four of these collections were the result of fraudulent activity. Was successful with deleted them from XXXX and XXXX. But PROFESSIONAL CREDIT MANAGEMENT continues to verify, update and ignore FCRA. I 've sent several letters and attempted to contact the company. The consumer financial Bureau is the last attempt before I commence filing a lawsuit against this company who is reporting fraudulent accounts on my credit report. All 4 of this collection accounts are unknown collections. 

Items Name| 1. PROFESSIONAL CREDIT Account Number : XXXX XXXX. PROFESSIONAL CREDIT Account Number : XXXX XXXX. PROFESSIONAL CREDIT Account Number : XXXX 4. XXXX XXXX Account Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
XXXX : Original Loan Amount : {$6600.00} Loan Date : XX/XX/XXXX IntRate:4.25 144 Payments of XXXX Never payed late and always paid more than payment due. 


Received new payment schedule for : 83Payments {$45.00} Start XX/XX/XXXX Which is another 7 years. 

This loan should be ending in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I sent a wire deposite to my coinbase account a while back. My wire transfer was " scheduled to arrive '' XX/XX/XXXX. It is now XX/XX/XXXX. The wire is pending and has not been credited to my account for trading. Funds have been pulled from my bank and show up as completed as they have arrive at coinbases metropolitan bank. All that is left is for the pending wire to be verified and credited to my account. Support has been slacking and these funds need to be worked out. My wire is still pending and all legal names between my Coinbase account and my Bank account are 100 % matched. The date of predicted arrival in my account was XX/XX/XXXX. As of today, the funds are still " pending '' and not available for trading or transfer. 
Here are my transaction details : Sent : XX/XX/XXXX Amount : {$5200.00} Name of Sending Bank : XXXX XXXX Funds were sent from personal name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage is in violation of CA Homeowner Bill of Rights and is illegally trying to inflate property values to deny homeowner legal rights to avoid foreclosure. 

At issue is the Shellpoint illegally refusing to acknowledge market conditions and property damage which directly affects the value of homeowner property. Homeowner is trying to sell the property to avoid foreclosure. CA Homeowner Bill of Rights requires lenders and servicers to work with homeowners to avoid foreclosure. By illegally disregarding hard facts about property condition and the fact that this property has been on the market for 238 days with multiple offers that has fallen out due to property condition they are in fact breaking the law by not taking those issues into consideration. 

Shellpoint is requiring an unreachable and unreasonable price of XXXX for the sale of this home. We are keeping a record of this dispute and will have the option to use this as a record for any potential class action law suits if Shellpoint forecloses and lists this property for sale for anything less than XXXX. This property is NOT worth XXXX and Shellpoint has plenty of facts to back up the true value of the property including recent sold comps and bids for repairs needed for this home but Shellpoint refuses to take that information into consideration. By illegally inflating the property value, failing to realize that a property marketed for 238 days in an area that has an average DOM of 60 days they are acting as a foreclosure mill. Only interested in foreclosing not adhering to CA law in helping avoid foreclosure or working in the standards of real estate law in marketing a property. This is illegal and Shellpoint must immediately cease and desist their foreclosure mill process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Was applying to have my name added to my mother 's mortgage and amazingly, was rejected. Here are the facts. I work for a XXXX XXXX company, make well over {$68000.00} a year, have a 700+ credit score, and have a car that 's fully paid off worth about {$14000.00}, and have {$56000.00} sitting in a B of A bank, the bank that turned me down. Moreover, we had $ XXXX in equity in the home so if we didnt pay, the bank would still get all its money back and more. 

My mother also has good credit, receives about {$2100.00} a month from SS, and has {$13000.00} sitting in just one of her bank accounts and thousands more sitting in others. 

Here 's why we got rejected. XXXX XXXX, the B of A rep, underreported my income by about 50 %, did n't even come close to listing all of my assets or my mother 's, listed the house as having been bought in XX/XX/XXXX, instead of XX/XX/XXXX, listed the purchase price as {$100000.00} instead of as {$79000.00}, had the wrong address on the loan, and charged me $ 500+ for an appraisal that never took place and which she originally was not going to refund. XXXX also listed my marital status as single, a lower credit rating, instead of married, a higher credit rating. Nor did she even ask about my wife 's income -about {$45000.00} a year. I emailed her several times telling her of these discrepancies, but she insisted I just follow her instructions and everything would be alright. Well, it was n't. The loan got rejected. 

I have several emails documenting my corrections of XXXX 's data and of XXXX 's insisting I just submit the paperwork as it was. Attached is but one of them. If need be, I will gladly submit the rest. This one, however, seems to say it all.

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 2018-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: KS

Complaint narrative:
The original debt was a result of an unlicensed loan in Kansas back in 2015. The company allegedly sold the debt to Security Credit Services , LLC. They I turn are saying it doesnt matter if the ordinal loan was illegal. They are listing it on my credit report until I pay them. They refuse to provide me with proper debt validation an think federal law doesnt apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: FL

Complaint narrative:
I have XXXX account on my XXXX and transunion  credit report reporting as a charge off. both reports are showing different information. I have sent over 20 plus disputes and they have yet to still correct the issues. The Account number is XXXX # XXXX. 
On XXXX is shows date of removal being XX/XX/XXXX while Transunion shows XX/XX/XXXX. XXXX XXXX on both shows " ND '' as no data. How can this be accurate if the data is not reporting, XXXX shows No data for XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX, On XX/XX/XXXX XXXX is showing No data and Transunion is reporting 30 days late, XXXX high balance is {$0.00} and Transunion shows {$89000.00} and Transunion never showed the credit limit. Both Reports are show many inaccuracies which is a violation of my rights. I have submitted many disputes for correction and still have yet to see the changes. If they can not fix or correctly report i ask they please remove the accounts.

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 2018-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
last month XX/XX/XXXX over 3000 $ came into my account i did not know this i found out by telephone at Citibank they told that money had come in and how much i asked why did you not tell me? it is my SS or Government money from XXXX where i worked over 50years they said nothing then to top it off they are closing your account? why do not know XX/XX/XXXX???????? i asked when will i get my check they told me on or about the XX/XX/XXXX, i waited nothing end of the week i called they the frud Dept told i needed to prove the money is mine? i have never seen that the money comes in the neame of the sender is with it since when do we have to prove the money is ours? ut is our account they again refused to answer as you must know you never get any mail from ss telling you your money has been sent to your account never yet they want proof i found what they needed paid XXXX dollars to send a slow mail to texas i called this week have not got the letter and if and when maybe i will get my money about the XX/XX/XXXX of the month i can not wait i have people to pay yet they will not answer yesterday i sent a fax and email with the papers they need the money should today have been mailed still no answr i need my money i worked hard to get retried i am XXXX this years why do i have to figh a bank for what is mine???

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 2018-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have had ongoing issues with the XXXX credit card issued by Synchrony XXXX. 
On Wednesday, XX/XX/XXXX I received an email alert that my automated recurring payment was not received. 
Today, XX/XX/XXXX I called the customer service number on the back of my credit card. 
It was a prerecorded line that had only sales pitches for an endless number of products and companies. 
I called the number again to make sure I did n't misdial. 
I had the same result. 
I went to the website and there was a different customer service number. 
I called that number and was connected to " XXXX ''. 
I explained the issue that I was signed up for automatic, recurring payments and that I did it the same day of my last phone call to customer service. 
" XXXX '' at first said he did n't see that I had signed up for automatic recurring payments and asked me unrelated questions. I explained the steps I took again and said that I can see my bank account number listed for my account on the website. 
He put me on hold for several minutes then came back and said that I did sign up for recurring automatic payments from my bank account but that it would take 1 to 2 billing cycles for it to take effect. I told him I thought that was ludicrous and poor customer service, then I asked him to remove the late fees and finance charges so I could pay the purchase balance in full. He then hung up on 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 monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Kohl 's repeatedly calls my phone number looking for someone who has not lived here for 5-10 years. I have told them that and asked them to stop calling me, but the calls persist. 

For example, Kohl 's admits that they called me on XX/XX/XXXX about XXXX XXXX. They admitted that I requested at that time that they no longer call me looking for someone else. Yet, on XXXX/XXXX/XXXX, at XXXX XXXX, Kohl 's agent named XXXX ( # XXXX ) called me looking for someone else. 

I am tired of the repeated harassing calls. I have never had a charge account with Kohl 's. This has been going on for years. I want it stopped. 

Note : I have never had a Kohl 's credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have virtual currency on the exchange that Coinbase uses ( XXXX ) and have been locked out of my account for over a month. I have sent all the required identification to the company and they have informed me that this issue would be resolved within 5 business days ( this was three weeks ago ). Since then the company has not been responding to my complaints in a satisfactory manner. At this point I am not getting a response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: KS

Complaint narrative:
The original debt was a result of an unlicensed loan in Kansas back in 2015. The company allegedly sold the debt to XXXX XXXX XXXX , XXXX. They I turn are saying it doesnt matter if the ordinal loan was illegal. They are listing it on my credit report until I pay them. They refuse to provide me with proper debt validation an think federal law doesnt apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I WAS CHARGED FOR SOMETHING THAT I DID NOT AUTHORIZE ON MY BARCLAY XXXX CARD FOR XXXX. CARD ENDING IN XXXX. MY HUSBAND AND I WROTE A LETTER TO THE CREDIT CARD COMPANY AS SOON AS WE SAW THIS CHARGE ON OUR STATEMENT IN XXXX AND REPORTED IT. THEY PUT THE CREDIT ON OUR CARD AND THEN TOOK IT BACK. THIS HAS BEEN AN ONGOING PROCESS WITH THEM. I HAVE REACHED OUT TO THEM AND THEY WERE VERY NASTY TO MY HUSBAND AND I AND SAID THAT WE WERE TOO OLD TO REMEMBER WHAT WE DID, THAT WAS SO UNCALLED FOR WHAT THEY SAID TO ME. WE HAVE BEEN GOING THROUGH THIS SINCE XXXX AND ITS STILL GOING ON. MY HUSBAND IS NOW XXXX AND IM SICK MYSELF WITH XXXX. PLEASE HELP ME TO GET MY MONEY BACK.

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 2018-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Emails from Transunion that are unsolicited and attempts to stop them on line fail and attepmt to have Transunion stop them by telephone call I am told they have no control over them and I must do that on line.

As I say the online 'unsubcribe featuer in the email do not do anything but time out.

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 2018-01-11 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: CA

Complaint narrative:
Experian/XXXX has a account on my credit report that is not mine and is holding my lively hood up and making me disqualified to obtain a checking account /credit card. The negative item is remaining on report showing a negative effect when it should not be there at all. Whenever I apply for a credit to rebuild my credit score/history the deduct a large amounts of points for inquiries and I get denied for credit. I gave disputed my credit score with Experian letting them know my score should be at a XXXX they do not care about putting me in jeopardy and tell me they have absolutely nothing to do with this. I opened and checking account with XXXX XXXX then a week later I go to the branch located XXXX XXXX XXXX. XXXX, Ca bank representative name XXXX tells me that XXXX chose not to bank with me and is closing my account. He told me he has never seen this happen before. Upon opening this account I was asked who I currently bank with I told them XXXX XXXX and they asked for my account and checking numbers with schools first to offer me a joint opportunity and XXXX deposited a small amount to XXXX  account I was told as soon as the deposit come through to let XXXX know. I believe my information was shared for other purposes other than given 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 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Contacted Wells Fargo to recast loan on morning of XX/XX/XXXX. 

Was told that loan qualified for recast. Was told someone would call me back in " 24 hours '' No call back on afternoon of 1st day ( XX/XX/XXXX ) or morning of second day ( XX/XX/XXXX ). Called back on afternoon of XX/XX/XXXX and asked to speak to supervisor. Supervisor offered no explanation why Wells Fargo did not return call. Told I would get call back in another " 24 hours '', extending original window from " 24 hours '' to " 48 hours. '' No call back by afternoon of XX/XX/XXXX - more than 48 hours total elapsed. 

If loan qualifies, recast process should start immediately. I have n't even been told how we start process and it 's been over 48 hours.

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 2018-01-11 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: PA

Complaint narrative:
i have hard inquiries that appeared on my credit report across all three credit bureaus TransUnion, XXXX, XXXX on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( TransUnion ) XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On X/XX/17 I contacted XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX  about unauthorized inquiries that are appearing on my credit report. I told all of these companies that there is fraud alert on my credit report and none of these companies were given my permission to run my credit.

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 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Informed Portfolio Recovery to stop calling over the phone and to communicate with me in writing only. Instead of communication in writing, Portfolio Recovery keep calling from different phone numbers. The last phone number they used is XXXX.

Company response to consumer: Closed with non-monetary relief