vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-14 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: IL

Complaint narrative:
Yesterday I received a notice from Chase ( dated XX/XX/XXXX ) XX/XX/XXXXin regards of the XX/XX/XXXX charge from XXXX XXXX merchant. The dispute arises from the XXXX XXXX was not willing to issue a refund deposit of XXXX XXXX at its XXXX, XXXX location when the card was returned on XX/XX/XXXX. The dispute was initiated the same day and I requested the card to be closed to prevent other unauthorized charges being conducted by the merchant. The merchant attempted to also charge me with alleged damage to the car dispute purchasing a valid XXXX coverage for the duration of the car rental. 
Subsequently the card was closed and all remaining balance paid. Chase also de-listed the card from the electronic menu so getting the letter dated onXX/XX/XXXX comes as great surprise. 
I would like Chase to provide its own internal chronology of events as pertaining to the cards use starting XX/XX/XXXX and all applicable credit card statements showing the transaction sequences including all activities on the card. 

Also please note that all applicable dispute took place in XXXX and not in US $ as referred to me in its communications as all transactions in dispute took place not in US but XXXX. 
I would also like to ask CHASE the following : 1 ) Why the issue is now being resurfaced after Chase own attempt to intervene on behalf of the merchant dispute its own stipulated 45 response time. As response to my message it provided records which had its time marks deleted and the follow up call on its behalf refused to present a coherent time frame in which the matter was being investigated and handled? 
2 ) Why the message is being sent 4.5 months after the initial dispute ( XX/XX/XXXX ) took place and the credit card closed? 
3 ) What does it say for Chase own procedures and processes where it issues its own finding on the issue without any supporting evidence and documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I submitted a transaction on coinbase.com of XX/XX/XXXX at XXXX. It is XX/XX/XXXX XXXX and the transaction is still " waiting for approval ''. The policy stated that the transaction will be completed in 48 hours but it has been over 100 hours and I am losing on my investments. This is UNACCEPTABLE and I am trying to retrieve my investments from them and close my account. Their customer service is non-existent. It is a scam and they are locking up people 's funds and trading with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax Public Records has not provided me proof of my : Name, Address, Social Security Number, Date of Birth attach to the Liens filed under Public Record Information on my credit file from the source that they gather the information as well as the correct of information as well as proof to show my Name, Social Security Number, Date of Birth, Address that has to show it belongs to me an is correct. 

Equifax has yet to provide any Documented proof of these liens from the source documented proof. I have also spoken to an attorney and my next action is to file suit on Equifax for incorrect information wrong amounts and other various information gather or reported wrong. Equifax no they can't give me the information I have requested by law because as my attorney told me that's not on Public information in the state of California by privacy laws of public records. 

I'm tired of Equifax responding to things with no documented proof and every one no Equifax is not a reputable company for actions of breach consumers information being exposed as well as to unfair credit practice on consumers as well as created information in various forms on consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I opened up a Coinbase account to trade Cryptocurrencies. First purchase on XX/XX/XXXX. XXXX bitcoin for XXXX. Second purchase on XX/XX/XXXX. XXXX Etherium for XXXX dollars. Sold XXXX bitcoin for XXXX ( after fees ) on XX/XX/XXXX. Sold XXXX etherium for XXXX on XX/XX/XXXX. Currently have {$180.00} in a stagnant USD account on coinbase. I am unable to withdrawal the money to either a bank account or credit/debit card. I have not taken action with the company, because upon research this is not an uncommon problem and the company does not take action when it occurs. Per my research this is the best coarse of action to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have my loan through XXXX XXXX XXXX. I am military and in the process of relocating in the process some how there was a mix up and the auto payment did not go through for XX/XX/ they did not notify me of this issue until recently. I have since been in the process of buying a new home and they have incorrectly placed a late payment and reported to the credit bureaus for XXXX as well. So now that I am trying to close on my home I have 2 late mortgages reporting on my credit report which is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I can not understand why the CFPB was duped into believing the lies returned from my Mortgage Company -- -OCWEN , subsequent to CFPB Case inquiry as relating to my XXXX Compliant! 

CFPB should be well aware of OCWEN 's track record, and the parade of States which had sued OCWEN for wrongfull acts, including illegal foreclosures and victim homes from underfoot!! Yet, all OCWEN had to do to appease the CFPB by sending a packet of mistruths & inaccurate figures on a few dozen sheets of paper before the case was closed!?? 


I really expected more from the CFPB! 

Maybe find out where all the Millions of Court Fine dollars had gone in the wake of all the hand spanks Ocwen had received in the last ten years. 

More importantly, I want to know why I can't use any of those MILLIONs for my defense as a victim, instead of seeing 'Business as Usual ' for Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
8-9 years ago I went to court because of identity theft. At that time, the case was seen before the judge in XXXX County, NJ 5-6 times before she finally settled the case in my favor. At which time, Pressler & Pressler stopped their attempt to collect a debt that I was not responsible for ... until now. 

They have restarted the process of sending me mail and correspondence about the same exact account. Last parcel received was XX/XX/18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA
State: FL

Complaint narrative:
In XX/XX/2018 I contacted XXXX about late payments placed on my credit. I have several student loans with XXXX and on 2 occasions out of all of my loans 1 has come out of forebearance. My account was placed back into forebearance both times but XXXX placed lates paymets onto my XXXX, XXXX and XXXX   credit reports. I contacted XXXX and was told there was nothing they could do but i dont understand this as my loan was placed into forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I received a letter from XXXX XXXX XXXXXXXX XXXX XXXX and contacted them. 
They have asked for my Bank Account Number and I will not give it to them. I told them I would get a Money Order to send them a payment, and they got abusive. I have hung up on them. I am only trying to contact them and this letter says they have a judgement. I have cancelled every credit card and opted out of new credit card offers. They overtalk you and will not listen. They call more than once a week. I have not sent them a letter yet to stop calling me. I do need advice on how to handle this situation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX never mailed me anything to this account all I ever received was from a letter from XXXX XXXX saying it was been transferred to XXXX XXXX XXXX. 
XXXX XXXX XXXX never contacted me nor mailed a letter by law. I did not even have the right to dispute the debt that is on my credit report. 

XXXX XXXX bought this account back from XXXX XXXX XXXX This account does not belong to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am having a problem with Experian Credit Monitoring. I can not log in to my account online- when I try to reset my password, I get a message that they are unable to perform that service at that time. Whenever I call, the automated system tells me the wait time is over an hour. I have waited on hold to no avail. I have sent an email to the customer service email provided and have gotten no response. I am trapped in a monthly payment and can not access my account or cancel the service. I originally just wanted to unlock my online account, but given this horrible customer service, I now want to cancel my membership. I can not imagine trying to contact them if I had an actual credit breach issue.

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 2018-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I currently owe Navient {$24000.00} for two loans : original amt {$10000.00} and {$15000.00}. I also have loans with XXXX that total roughly XXXX, bringing my total to approx. {$44000.00}. 

Yesterday, I called Navient to discuss a IDRP form that I sent in and other possible options. I advised my loan processor XXXX that I was uncomfortable with the IDRP form after doing research on what happens to your loan forgiveness amount. I explained to her that I was concerned about the forgiven amount becoming " earned income '' that I could be taxed on in the future. XXXX said she had never heard of such a thing. I tried to explain that it was true, but she wasn't listening. This gave me zero confidence in her abilities to advise me on anything. She then proceeded to inform me that my total loan amount had jumped up to {$69000.00} in six month 's time. I told her that this must be a discrepancy and she said that it was not, and in fact, was compound interest of exactly {$24000.00} in that 6 month duration. I went onto the XXXX site to look over my loans and saw that it appeared to be a duplicate entry as the total owed amount is exactly the same on both lines. XXXX put me on hold so she could speak to her supervisor and then came back and said that the amounts were correct and that it was compound interest. I explained to her that there is no way I could have accrued that much interest in 6 months and why wasn't this told to me if that was the case? I then asked her to provide me a report showing all the charges I've incurred on loan via email, and she did not agree, but said she would call me back in 30 mins. That was over 2 hours ago. 
I tried to call the XXXX of XXXX XXXX, but they were not helpful and just asked me to call Navient again or file some kind of discrepancy dispute form on their website. 
If they are allowed to charge that much interest in that short amount of time, then that is criminal. I have never seen a more perverse system that entraps people so deeply and cruelly. Something must be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I responded to a XXXX % APY, 12 month, offer from capital one by cashing a couple of Checks they had mailed me. The transfer fee amounted to {$210.00} or 3 % of the amount the checks were written for. By the end of the first month in the loan they charged my linked checking account the entire loan amount plus transfer fee. The reason being that autopay was set incorrectly to " pay monthly balance ''. I tried plead with them unsuccessfully. One manager offered to reimburse half the fee. I did not agree.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I was contacted by IQ DATA INTERNATIONAL XXXX XXXX  XXXX XXXX, WA XXXX ( XXXX ) XXXX who stated that they were the attorneys hired by SURE DEPOSIT TEXAS to collect {$270.00} on the company 's behalf. IQ DATA Threatened to contact my employer or share information it force payment and if that doesn't work they also stated that they will sue me and I will pay their legal fees if I don't pay them. The amount they want to collect is allegedly for a water bill due in XX/XX/XXXX which that I already paid to my Apartment complex which is always due and included in my rent. They have refused to contact the apartment complex to validate the information and has since then increased the balance and left messages at my job as they previously threatened to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
XXXX XXXX XXXX never mailed me anything to this account all I ever received was from a letter from Exeter Finance saying it was been transferred to XXXX XXXX XXXX. 
XXXX XXXX XXXX never contacted me nor mailed a letter by law. I did not even have the right to dispute the debt that is on my credit report. 

Exeter Finance bought this account back from XXXX XXXX XXXX This account does not belong to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M. G. Credit, Inc.
State: GA

Complaint narrative:
In XX/XX/2018 and prior I have disputed the negative account with all three collection bureaus and spoke to a representative explaining that the debt was not mine. I was able to show that I lived nowhere near the area at the time the debt was taken out. This debt is for a gym membership in XXXX, Ga.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one has added numerous late payments to my account. I have called and requested to be put on a payment plan. I was advised by rep XXXX that I was then put on a plan in which they have no notation of. Poor record keeping. I also disputed the lates because my wallet was stolen in which Capital One was given the police report number. i was still never sent any new cards and late payments were are inaccurate were added to my account. I was lied to by Account Supervisor XXXX and also rep XXXX XXXX on XX/XX/XXXX at XXXX XXXX and again at XXXX XXXX. They advised that there was nothing they were able to do and they are not authorized to remove the late payments even though they acted without care. 

The late payments are as follows XX/XX/XXXX : XX/XX/XXXX & XX/XX/XXXX :  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I signed up for a feature to utilize if I become unemployed that my bill is still paid. After being out of work and on FMLA in XX/XX/XXXX and XX/XX/XXXX i received none of the features I signed up for. The representatives within Capital One are acting with negligent. I was also advised by a rep to violate my HIPPA rights and send in my FMLA doctors statement. Which I feel is a complete violation of privacy and against HIPPA laws. 

Also one of my cards has expired and I was never sent a new one for that card either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
I am trying to apply for Public Service Loan Forgiveness ( PSLF ). I have been on XXXX XXXX in the Minnesota XXXX XXXX XXXX since XX/XX/XXXX.  Qualifing payments for the PSLF program started on XX/XX/XXXX. I should have reached the required 120 qualified payment at the end of XX/XX/XXXX. I have called Fedloan Servicing at least 3 times to have my qualifing payment histrory reviewed by an auditor. Each time I received differing numbers of qualifing payments. My employment certification shows I have qualifing service from XX/XX/XXXX through XX/XX/XXXX, which equals 7 years and 10 months. It also shows qualifing service from XX/XX/XXXX through XX/XX/XXXX which equal 1 year 3 months. I submitted a employment certification letter to verify my service from XX/XX/XXXX-XX/XX/XXXX. This should give me 10 years of qualifing payments. Fedloan Servicing has sent me letters stating I have 12 qualifing payments, 65 qualifing payments and 84 qualifing payments. Please see attachments. I should have 120 qualifing payments by now. I requested documentation showing my entire payment history broken out and which payments were considered qualifing payments and if any did not. To date, I have not received the detailed payment history I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt that is fraudulent and was as a result of identity theft. I have made XXXX XXXX XXXX aware that this account was opened in my name without my permission, and I have made XXXX XXXX XXXX aware of this same information but they continue to contact me and demand that I repay a debt that was the result of identity theft. I will not pay this debt and I do not owe this debt, and I am very tired of being contacted by both XXXX XXXX XXXX and XXXX XXXX XXXX about a debt that does not belong to me and this is a violation of the FDCPA because I have made both companies aware that this was as a result of identity theft.

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 2018-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX and contacted them. 
They have asked for my Bank Account Number and I will not give it to them. I told them I would get a Money Order to send them a payment, and they got abusive. I have hung up on them. I am only trying to contact them and this letter says they have a judgement. I have cancelled every credit card and opted out of new credit card offers. They overtalk you and will not listen. They call more than once a week. I have not sent them a letter yet to stop calling me. I do need advice on how to handle this situation. 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 2018-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
Exeter Finance sold my loan to XXXX XXXX XXXX and only got a letter in XX/XX/XXXX from Exeter Finance and XXXX XXXX XXXX   place my account on credit bureaus with out mailing me anything no letter nothing by law I have 30 days to dispute the amount or the situation of the loan. 

Exeter Finance has bought back the loan and by law broke a lot of my rights with this loan and has yet to clear them up in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My Identity was stolen recently and all my accounts and everything was frozen. I was unable to make any payments or do anything at the moment so I notified Navy Fcu what was going on and they stated they could not help there was nothing they can do that they would be reporting me late to the credit bureaus. They have been unwilling to help me with anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation