vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/2019, we submitted an application for loan modification in anticipation that we would soon be struggling to pay the mortgage. As of this date, XX/XX/2019, the application is still being processed due to ongoing delays by the mortgage company PHH including claims of not having received proper documentation then retractions of those same claims. In addition, on XX/XX/2019 we were served with a complaint made in civil court by PHH 's attorneys seeking foreclosure of our property. The most recent correspondence received from PHH was dated XX/XX/2019 confirming, once again, that the modification package is being reviewed. We feel we have become victims of dualtracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: CITIBANK, N.A.
State: CO

Complaint narrative:
-I travelled to XXXX for my Meetings on XX/XX/XXXX- XX/XX/XXXX. 
-I have Citi bank credit card & it can be used internationally without any fees. This is the reason I got this card. 
-XX/XX/XXXX I reported ~2 unknown activities from merchant XXXX XXXX XXXX  which happened within seconds ( saw it online transactions at my phone ) for {$1100.00} & {$750.00} amount. 
Immediately checked my wallet & card was in wallet in my hotel room. ( I was leaving my wallet in my hotel room during bath, gym etc. ) - called the bank & Card was immediately closed & I opened the dispute. 
-XX/XX/XXXX Citi bank reported that they will not consider this as fraud because card is not stolen. ( why would I say its stolen if its in hotel room? ) -I asked if bank/they reached out to merchant & find what was bought but I believe they failed to do so because they simple considering this transaction is valid. 

I strongly believe that its a standard process where when large amounts get transacted from a card within seconds, bank get alerted & block the transactions & alert. 

Bank didnt alert me & stated that because I was traveling, they didnt alert me & it was a registered trip. Does this mean bank lets the fraud happen? & how about 2 transaction continuously happened at same place, same merchant, big amounts, somewhere in XXXX & bank dont care? 

Also I believe banks didnt investigate properly & just because card was with me they got a reason to cancel the dispute. Anyone could have took the card & swipe away. I guess its not hard to keep a card swiping/reader machine with you if you are a fraud? 

-did they find who was the merchant? 
-what was purchased? 
-who they reached out to find out if its correct? 

What is the point of 0 % liability & protection from bank if they deny this kind of fraud. 

Please help resolve this.

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 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trust Financial LLC
State: WY

Complaint narrative:
We were wrongfully turned over to collections from a hospital. We had paid monthly on the debt and had no clue we were in bad standings with them. We then received notice from Rocky Mountain Recovery ( the collections agency ) that we owed them {$3600.00}. 

When I asked when the debt was turned over to them, I was lied to. One lady said we were turned over XX/XX/XXXX, another lady claims we were turned over in XX/XX/XXXX and one in XX/XX/XXXX. Still dont know the right answer because they ended up telling me that once they receive a debt from the hospital they will start calling and trying to collect payment within 30 days of receiving the debt. I didnt hear anything from them until the middle of XX/XX/XXXX, when they sent notice that we owed them money.

We have talked to them many times to try to work something out. ( XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19,XX/XX/19,XX/XX/19, XX/XX/19 ). Then on XX/XX/XXXX, I talked to one lady who claims I wasnt responding and no one had talked to me since the XX/XX/XXXX so I started documenting every phone call after that. 

We obtained a loan and offered them a lump sum of {$3400.00} which they refused. So we did research and found out we could pay the hospital directly, since they are the original creditor. We paid the balance of {$3200.00} to the hospital. The hospital sent me a notice that they retrieved the debt from Rocky Mountain recovery and it was paid in full.

Rocky Mountain recovery keeps bugging us for payment and claims we owe them all the interest thats left on the bill. They also will not remove it from our credit report. It shows we owe them the full amount of the debt plus interest. We paid the hospital and I have proof of 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 2019-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have asked the company multiple times ( at least 3 times prior to today : XXXX XXXX, spoke to ****** ) not to contact me at my work place, she has told my staff members to tell me I need to call that company to resolve an issue. I have explained to them that I am unable to get personal calls at my job. Each time I had been told that they would remove the phone number but base on the calls it has not taken place. I have expressed my concern with the manager he stated they are doing their job and will speak to them to be sure the phone number is removed. 
My rights have been violated more than once

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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:
I Closed account with consumer in XX/XX/2019. I ordered furniture from a merchant who delivered the wrong items. I contacted the store associates and managers about the wrong items being delivered to me and was told I will get the correct order delivered within 2weeks. After 2 weeks passed I contacted the funiture store and was told to contact XXXX. XXXX was not helpful and told me that The account would be closed but I would not get any refunds. XXXX is still reporting inaccurate information on my credit reports.

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 2019-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
I was instructed to send a bank wire to Gemini, and I followed the instructions completely. My credit union sent the wire in a manner that Gemini can not receive. Gemini failed to let me know that ahead of time. Instead of working out a solution, Gemini refused the wire, which cost me {$30.00}. Gemini then failed again to communicate that the credit union was incompatible with their system, and instructed me to send the wire again, which cost me another {$30.00}. Gemini 's receiving banking system changed a label of the wire from " originator to benificiary '' to " note ''. They also sent me incomplete instructions for sending the wire. I have documents proving all of this.

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 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
THE AMOUNT THAT THEY SAY THAT I OWE IS WRONG IT WAS NOT THAT MUCH EVEN WITH THE LATE FEES ADDED TO IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/2019 Charge for {$250.00} SQC*CASH APP - USAA - CASE XXXX XX/XX/2019 Charge for {$110.00} SQC*CASH APP - USAA - CASE XXXX These charges were never authorized by me and I never received any money. I contacted XXXX XXXX but they have no phone system and attempted to message them with their in app support system. It usually takes many days for a response. I never heard back from CASH APP so I called USAA and started a dispute. It was very easy and got temporary credits in my account. I believe I had the credits around XX/XX/XXXX. Then on XX/XX/2019 USAA sent me 2 plain emails with pdf attachments. It does not say in the email that any information is required or my immediate response is requested. But hidden away in the pdf files is a request for more information. Because I don't check every email I receive from USAA because usually they are junk mail, I never opened the pdf, and then USAA DENIED my dispute. They never called me or sent another email. They never sent me a letter or anything they just denied it and took my money. After a few phone calls speaking to a supervisor I was able to resubmit the information. On XX/XX/2019 my one dispute is finally reopened XX/XX/2019 Charge for {$110.00} SQC*CASH APP - USAA - CASE XXXX. XX/XX/2019 Charge for {$250.00} SQC*CASH APP - USAA - CASE XXXX DISPUTE # 2 for {$250.00} has not been reopened since I uploaded information about the case.____ ______________________________________________________________ ORIGINAL COMPLIANT I have called USAA at least 5 times since I have filed the last complaint and I have no 0 progress getting in contact with anyone. I do not even know if they are looking at the 2nd complaint. How can I call this many times and still not know if my complaint is being looked at?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Friday, XX/XX/2019, I went to Chase Bank at XXXX XXXX XXXX XXXX, XXXX Fl, XXXX Between XXXX XXXX. I went to ATM terminal number XXXX, which is located directly to the right once you enter the building. I used my debit card through XXXX XXXX to withdraw {$1500.00}. When it asked me how I wanted my receipt, I choose an email. After that screen, The atm restarted as if the transaction did not go through. I advised the teller that the atm did not provide me with the money, and she advised me to try another one. I went to the other ATM, and it said I reached my limit for the day. She then advised me to contact Chase 's claims department, which was approximately XXXX XXXX. 
I spoke with the claims department to open an inquiry ( Claim XXXX ). They advised they would research the matter and then credit my account for the inconvenience. It took two days ( XX/XX/2019-XX/XX/2019 ). I called six times and spoke with six different customer service reps and supervisors. Finally, on XX/XX/2019 at XXXX XXXX, I spoke with my 6th supervisor. He had to cancel my old claim because he stated they did not include that the transaction was not done with a physical card. It was done with XXXX XXXX debit card. He noted that the coding was different. He created a new claim ( XXXX ). He stated that he would be able to issue me a temporary credit, and they will research the issue. On XX/XX/XXXX, I received an update that chase completed the research, and they determined the transaction was processed correctly. I spoke to a supervisor, and they stated that they received information from the bank stating the transaction was complete. However, It was not complete. I did not receive the funds that day at the ATM. They also stated that they would be removing {$1500.00} from my account on XX/XX/2019. I called Chase at the location above and spoke to the Manager on Duty. He stated that he would escalate the issue. I also called back the claim department, and they said they would escalate the issue and allow 3-5 Business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12 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: GA

Complaint narrative:
I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative information reporting. Sure enough, there was a collection account reporting as XXXX XXXX in the amount of {$1400.00} for XXXX XXXX. I have never had XXXX XXXX and this account is not mine. There is another collection with XXXX XXXX in the amount of {$66.00} for account that I never had. There is also a closed account for a company called XXXX   that I never had. I have contacted the local police department and have amended my current police report to add these additional accounts.After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have also submitted a complaint to the FTC and have a report from them as well. The fraudulent inquiries are XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX   and 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 non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I called about a debt showing on my credit report for a hospital bill from rmp services but I have had insurance. I did not receive any bills from the original creditor or from the collections company. Her tone was condescending. She lied about insurance being able to pay for said debt I owed and was at first refusing to give me all information related to said account when she did I called my insurance to relay information and upping further investigation the bill way paid by insurance for services on date rendered But not only that she was rude condescending telling me life isnt fair get use to it that I cant cry about everything that isnt fair and other rude remarks that I will choose not to disclose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: CA

Complaint narrative:
I Closed account with consumer in XX/XX/2019. I ordered furniture from a merchant who delivered the wrong items. I contacted the store associates and managers about the wrong items being delivered to me and was told I will get the correct order delivered within 2weeks. After 2 weeks passed I contacted the funiture store and was told to contact XXXX. XXXX was not helpful and told me that The account would be closed but I would not get any refunds. XXXX is still reporting inaccurate information on my credit reports.

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 2019-11-12 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: CA

Complaint narrative:
I Closed account with consumer in XX/XX/2019. I ordered furniture from a merchant who delivered the wrong items. I contacted the store associates and managers about the wrong items being delivered to me and was told I will get the correct order delivered within 2weeks. After 2 weeks passed I contacted the funiture store and was told to contact XXXX. XXXX was not helpful and told me that The account would be closed but I would not get any refunds. XXXX is still reporting inaccurate information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XX/XX/XXXX I informed this company they had the wrong person and since then that have continued to report to multiple bureaus. I even sent multi reports through fax as provided proof

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 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
View all accounts XXXX XXXX XXXX XXXX Opened XX/XX/2019 - {$150.00} Original creditor : XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 

Balance {$150.00} Highest Balance {$150.00} Opened XX/XX/2019 ( 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX see an error? 

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Opened XX/XX/2019 - {$2700.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 

Balance {$2700.00} Highest Balance {$2700.00} Opened XX/XX/2019 ( 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by the consumer meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX see an error? 

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2019-11-12 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
XXXX XXXX XXXX fraudently charged me {$5000.00} for legal services not rendered. I raised the complaint with American Express and AmEx refused to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
COINBASE, INC.s transfer to a FRAUD SCAM Brokers : Initialrate. 

I would like to bring your attention to a serious issue I have with COINBASE, INC. wires that first took place on the XX/XX/2019. 

I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 

The funds were transferred utilizing COINBASE, INC. 's services in the total amount of XXXX EUR! 

I would also like to point out that on XX/XX/2019 - I filed a dispute with COINBASE , INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I was rendered incompetent care by a law firm named XXXX XXXX XXXX  XXXX. The firm also fired me as a client without cause. I filed a bar complaint. I contested the charges with AmEx and AmEx refused to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I had an Amex Platinum card. The account was cancelled by the issuer however they still charged me the {$450.00} annual fee. They have attempted on multiple occasions to make me pay it, and now have made a derogatory comment on my credit report

Company response to consumer: Closed with monetary relief