vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sterling Infosystems Inc.
State: IN

Complaint narrative:
On XXXX/XXXX/17 I applied for a job working with XXXX. The company ran a Confidential Background Screening report on me. Within the next few days they told me that based on the information they received from Sterling Talent Solutions, they could not invite me to work for their company.
I did receive a copy of the report and it does state that the length of my XXXX XXXX was 46 Years, not 46 Months like it should. This is a huge mistake and I would like to know where they received their information from because I spoke with the Attorney Generals Office and they recommended that I write to your company to fix this information because in all their reports it states 46 Months, not years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Who : Chase Levys and Holds Division When : XXXX XXXX, 2017 Why : Collection request from Michigan Department of Treasury for due income taxes What : Hold on Pre-paid credit card exceeded the amount available for hold - Chase Bank levies and division violated my rights by placing a hold on my prepaid credit card for {$250.00}, ignoring pending changes on the account and thereby causing an overdrawn balance. - Chase bank 's legal department repeatedly proclaimed that a deposit was made to the account in the amount of {$300.00} on XXXX XXXX, 2017, which in fact a transfer was n't made until XXXX XXXX, 2017 ; a day after the levy processing. - After repeated calls over a period of 3 days trying to get Chase Levy and Holds Division to verify the correct date of the {$300.00} transfer ; I finally has to get my branch to conference in with them and verify that the transfer was in fact on XXXX XXXX, 2017 and NOT on XXXX XXXX, 2017.
- Chase still refuses to correct the account to reflect that the account did not have the {$250.00} they are holding for levy. - I further accused the of deliberately falsifying the account statement to justify the {$250.00} hold, and requested an investigation by senior management.
- Chase levy and hold department then came up with the excuse that a charge in the amount of {$330.00} was not paid ; but the bank branch confirmed that the charge in question had cleared on XXXX XXXX, 2017. Therefore ; the {$250.00} was clearly not available at the time the hold was placed.
- Chase Bank 's Levy & Holds department have repeatedly falsified information on the account, and flat out lied about the amount available during the processing of a levy on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Doing a short sale with Chase on an FHA loan. We have had a full price offer in for three months, with approval from FHA. The approval to participate in the short sale expires XXXX XXXX and it is now XXXX XXXX, end of day, and we do not have an approval letter so the buyer can move forward. The short sale negotiator changed XXXX XXXX and nothing has moved forward since XXXX XXXX took over this file. I have reached out to the escalations department within Chase and to FHA and still the only response I get from the Chase short sale negotiator and the escalations department is that the file " is still under review '' ... There 's no legitimate reason for the approval to take 3 months or even two months after we have full approval from FHA to participate in the short sale. We only need the Chase approval letter to close this. But Chase is delaying this approval to the point that the buyer has now lost their interest rate that they were approved for and we are now at risk of losing the buyer due to Chases ' delays and the short sale negotiator 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: CA

Complaint narrative:
I have sent over XXXX letters to XXXX showing them proof that the information they have on file is incorrect and they have refuse to fix the issue. I have show them I was issue XXXX by the following company back in XXXX which my balance should be {$0.00} and the charge off date they have on file shows XXXX which is incorrect. They are refusing to remove it there inaccurate information and stated they have verify with the company which is wrong if they did they would see a XXXX was 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 explanation
Consumer complaint received 2017-06-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent over 3 letters to XXXX showing them proof that the information they have on file is incorrect and they have refuse to fix the issue. I have show them I was issue XXXX by the following company back in XXXX which my balance should be {$0.00} and the charge off date they have on file shows XXXX which is incorrect. They are refusing to remove it there inaccurate information and stated they have verify with the company which is wrong if they did they would see a XXXX was issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I saw this on XXXX XXXX and disputed it please send me a letter and in that letter you asked to put in someone else 's information so that is violating HIPPA law IT has personal information of the other party so I tried contacting them and are they tell me was that they were sorry and they wanted me to send it back to them immediately. They were giving me the runaround I called the number that was on the letter apparently that was a wrong number to the routed me to someone else I 'm supposed to that person and I he tell me he was to send it back. They were being and uncooperated I told them that I was going to call the CFPB because it was a big violation that I thought needed to be reported. On the other bill it 's not even my first name is spelled A different way and I have no reconition of the account so I want it off my credit report. And as I was looking at it it 's over seven years old. The only resemblance that we would have is the address street fees XXXX just like mine but im in XXXXand she is in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bayside Capital Services, LLC
State: TX

Complaint narrative:
Bayside capital claims to own debt from a company I had taken a personal loan from in 2015 ( XXXX ). In addition to attempting to threaten to take me to court for criminal charges of theft they are also misrepresent amount i payed and currently owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices of Crystal Moroney, P.C.
State: NC

Complaint narrative:
1. when emailing about the debt, Moroney Law never gave the amount due in any emails ( dates of emails  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  ) 2. the name of the creditor to whom the debt is owed was not stated in any emails -The emails sent specify that disclosure or use of any of the information contained in this e-mail transmission is STRICTLY PROHIBITED ( no copy of emails for you ) 3. they have called between the hours of  XXXX - XXXX  without knowledge of circumstances repeatedly (  XX/XX/XXXX   XXXX  ) other instances can be obtained from an old phone if neccesary 4. during communication with my father the debt collector threatened to take matters to an attourney and that it would effect my credit score which caused him to call me and harrase me about a debt he isnt allowed to know about. ( they record calls )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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:
My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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:
My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XXXX XXXX 2017 I attempted to purchase something on my XXXX XXXX Card issued by American Express. The value was {$2600.00} of the purchase. The purchase went through and a month later the same amount was refunded to me by the same vendor. I had a positive balance on my credit card I then had called into American Express to have refunded to me. The date that American Express claims they issued me a check to come in the mail was XXXX XXXX 2017. When I called to inquire as to the details of said check 's arrival, I was given no information other than it was sent on XXXX XXXX 2017. When I inquired to have a new check overnighted to me, they claimed they were unable to do that. I am without {$2600.00} of the amount that was refunded to me and would like for American Express to now respond to a CFPB complaint and inform them why it has taken so long to refund a customer 's money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-19 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: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XXXX XXXX Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XXXX XXXX to XXXX XXXX XXXX still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XXXX XXXX XXXX They needed more time no commitment to when my decision would be made. XXXX XXXX XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XXXX XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XXXX XXXX XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being disabled -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
BLAKELY WITTS AND ASSOCIATES HAVE A DEBT 0F {$540.00} ON MY CREDIT REPORT SINCE XXXX 2013 AND SEND MANY LETTERS TO STOP BILLING AND WAS NOT MINE. THEY WILL NOT REMOVE FROM CREDIT REPORT. OR IDENTIFY THE ORIGINAL DEBT COLLECTOR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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:
I put an fraud alert on all three credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.           TRANSUNION :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  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  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase has my money and wo n't allow me to trade it or withdraw it. They have no customer support and have not responded to my emails for a week. I have {$7900.00} in XXXX on their XXXX trading platform with another {$9000.00} borrowed on margin. I am unable to touch this amount because all trading is disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
This is not a debt collection issue, I chose this category as there was no option for this serious concern.
I 'm a   XXXX   XXXX   XXXX   who represented the buyer for a foreclosed property, the offer was accepted back on  XXXX 2017, the closing was to take place on  XXXX /2017. As of today  XXXX /2017 the transaction has not closed due to the lack of urgency by the sellers, the financial institutions involved, regarding a required document for the closing. Myself and the buyers attorney have made numerous inquiries, have received empty promises for action and as noted my buyer has now been waiting for nearly 6 months to close with no real or definite close date offered. The primary financial institution involved is Ocwen, I attempted to contact them on numerous occasion via phone but I found it impoosible to reach a live person Below is latest email indicating that latest promise of a   XXXX   close date will now possibly occur in late  XXXX .    <P/>   " Hi  XXXX , response received : so the review for them to do it has passed and now they are waiting on the document. It has taken Ocwen the time frame up front to know if they would sign it, and now they have the approval and we wait.
Not sure if your buyers want to wait until this date below to have the document received to record and or if they record when done, I wont know until either happens.
Sorry, wish I had more than this, but this was response received.
Please advise, Hi  XXXX , Unfortunately nothing at all yet. Theres a note by Ocwen that the estimated return date for the executed AOM by  XXXX  is  XX/XX/XXXX , so at best were still a few weeks out. I can follow up with Ocwen in a week or two ( although I doubt theyll have any information, but it wont hurt to try ). '' I obtained their corporate address as follows :   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX  , FL  XXXX  Phone : (  XXXX  )   XXXX    Website : www.ocwenbusiness.com

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting the wrong address on my credit report. It is being reported that I live in XXXX, Maryland and this is not true. I have sent copies of my Driver 's License to Experian over the past couple of months and they still have not updated my credit record. I need Experian to report the correct address on my credit report. My correct address is : XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. I am including a copy of my driver 's license as an attachment so Experian can process my request. I have sent this multiple times so I do n't understand why this has not been fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
chase said they try to apply that amount to XXXX billing.. but i would like them to stop their practice of applying my monthly payments to principal when ever it suits them ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am filing a compliant on Wells Fargo for their deceptive, abusive and unfair loss mitigation practices. I have attached a formal complete for your review. I pray that Wells Fargo is made to do the right thing by granting me a loan modification.

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 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I want bank of america to release my earnings faster

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a bad year with my health and the car loan that was due I was in the hos [ pital then I had a XXXX XXXX I called the XXXX XXXX and told them to pick up the car then the last time I made ther payment it was for {$800.00} dollars and that paid off the car then they did not give me a clear titel to m7y car. I will never use XXXX XXXX XXXX XXXX for anything again. I asked them to pick the car up they would not when i could not make payments so In my heart I dont think they have the right to put the missed payments on my recored I paid it off in full even when I could XXXX XXXX XXXX XXXX the car 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