vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I previously had a second mortgage loan with XXXX. This loan was unfortunately charged off in XX/XX/2009 and the loan was re-modified through XXXX. XXXX maintained a lien on the property through the second lien while the first remained current. I have been trying to sale the home and XXXX has refused to talk to me about the loan and refers me to Ocwen Loan Servicing LLC. Ocwen has inflated the amount of the originally charged off debt by {$15000.00} with no explanation of charges. I am now in another situation to sell the home and Ocwen will no longer speak to me but refers me to XXXX XXXX XXXX. I think this is an unfair practice whereby these companies unfairly inflated debts and hold up sales on the property of debt that is past it's statue of limitation for ANY type of legal action to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I previously had a second mortgage loan with Chase. This loan was unfortunately charged off in XX/XX/2009 and the loan was re-modified through Chase. Chase maintained a lien on the property through the second lien while the first remained current. I have been trying to sale the home and Chase has refused to talk to me about the loan and refers me to XXXX XXXX XXXX XXXX. XXXX has inflated the amount of the originally charged off debt by {$15000.00} with no explanation of charges. I am now in another situation to sell the home and XXXX will no longer speak to me but refers me to XXXX XXXX XXXX. I think this is an unfair practice whereby these companies unfairly inflated debts and hold up sales on the property of debt that is past it's statue of limitation for ANY type of legal action to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attached a copy of the status page from Transunion. By law, they have exceeded the the 30 days allowed for the verification of this item. Transunion must now remove this item immediately.

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 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have an unverified account from Diversified Consultants. I had previously disputed this account. I have never done business with Diversified Consultants. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Diversified Consultants Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Diversified Consultants Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 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: First Financial Credit, Inc
State: FL

Complaint narrative:
This company is still falsely reporting payments made in am attempt to extend the life the loan on XXXX  credit report. They are reporting that a payment was made XX/XX/XXXX, XX/XX/XXXX amd XX/XX/XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT, in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act. 

Your company responded with " We are not reporting payments made on this account. The last payment we show reported was XX/XX/XXXX. She has disputed this account several times but we are reporting what our records indicate. '' Yet XXXX  is reporting payments made, as EVIDENCED BY MY CREDIT REPORT. XXXX  does NOT report payments made UNLESS THE COMPANY CALLS TO REPORT IT!! Therefore im seeking legal counsel and start the process for a class action lawsuit And it was bro7ght up directly with XXXX and i showed him my credit report and he laughed and responded " oh i dont know how that happened '' EITHER FIX IT OR A CLASS ACTION SUIT WILL COMMENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
2 years ago we purchased a new build. We were told the mortgage payments would be approx {$1100.00} per month. For the 1st year, they came in around {$900.00} per month as they had not had our taxes assessed yet. The 2nd year they came in around {$900.00} per month as well. I contacted the county and they said that they had done the tax assessment on our new house. I assumed that maybe it was already included in our mortgage. Last week we just received a " Shortage Coupon '' from M & T Bank wanting us to pay almost {$5000.00} in back escrow payments for 1 year and a half of taxes that were assessed. They gave us the option of paying around {$1600.00} per month or paying the entire {$5000.00} up front. I called them and asked if I could work out a payment plan that was closer to $ 1200-1300 per month. They said I could not and recommended that if I could not make the payment, I should sell my house. I told them that it was their fault that they waited so long to make us pay the assessment. At the time of purchase, we were told it would take about a year. We have been in our house for around 2 and 1/2 years and just now got the increase. I will find a way to make the payments, but it will be a financial hardship. I don't have {$5000.00} lying around to pay them in full, and I new in a million years would have signed up for a {$1600.00} a month mortgage payment ( which is what is staring me in the face for this upcoming year ).

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 2018-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NY

Complaint narrative:
My loan is processed through XXXX XXXX. Due to an error in their processing of my income verification during XX/XX/XXXX, they added almost {$6000.00} of interest to the balance of my loan which I have been appealing to be removed. The capitalization of interest on my account was carried out in a punitive manner, and yet it was their errors that caused the interest to be added to my balance. 

Their instructions for income verification state that one can submit a paystub from their employer and write the frequency of pay on the paystub. This is what I did, and I submitted my documentation and completed forms as soon as they were requested by XXXX XXXX - 2 months prior to the re-certification date ( XX/XX/XXXX ). 

They processed my application in XX/XX/XXXX, and on XX/XX/XXXX I received notification that I was denied from the Income Based Repayment plan I have been on since XX/XX/XXXX. It turned out this was a mistake on their part - they calculated my income to be twice what it actually is, and it appeared I made too much money to qualify for this plan. Since I don't, I discussed this with them over the phone - they had ignored the frequency of pay I wrote on the paystub and calculated my pay as weekly rather than bi-weekly, which is an error. 

When I was denied from the Income Based Repayment plan, the interest on my loan balance capitalized and the close-to {$6000.00} was added to the balance of my loan. Even though their mistake was corrected and I remain on the Income Based Repayment plan based on the correct amount of my income when it was calculated using my paystub, XXXX XXXX has refused to remove the interest. 

I bring up the XX/XX/XXXX and XX/XX/XXXX dates in order to note that if they encountered any problems or discrepancy in my documentation, I sent them well in advance of the due date and I could have addressed any confusion if they had processed my application around the time when they requested it to be submitted. My interactions with them lead me to believe that part of their poor processing of my application was due to their delay and subsequent hasty processing manner, since my new payment amount was supposed to go into effect on XX/XX/XXXX. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had purchased a couch from XXXX XXXX, called the XXXX XXXX. The couch was riddled with issues, and XXXX XXXX offered full refunds or replacement couches for all customers who have purchased a XXXX XXXX 

The replacement couch process is as follows : the customer is charged the value of a new replacement couch ( a couch of their choosing ) on their original payment method ( in my case XXXX XXXX credit card ). At the time of delivery, the XXXX XXXX  is picked up and a refund is issued to the card in the amount of the original value of the XXXX. I ordered the new couch on XX/XX/XXXX, and the return for the XXXX was issued on XX/XX/XXXX. 

When I checked my last statement, I realized that I was charged interest for the balance on my credit card stemming from the new couch. The only reason this balance was on the card was due to the lengthy processing time it takes XXXX XXXX to refund the XXXX. This is an aggressive business practice because it forces customers to either 1 ) pay the full value of their new couch and then have the refund from the XXXX be applied to a XXXX XXXX credit card which has no balance, essentially coercing the customer to spend the value of a couch at XXXX XXXX in order to get their money back 2 ) pay interest at 27 % on a charge which is only on the account due to their defective product.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a product through Equifax that they discontinued, they did not tell me that this was happening, I called when I tried to log in and was informed by website that I had no monitoring product. The first person I spoke with said that my payment had been denied, then gave me credit cards ran for payment that were not mine, the second person was less helpful, I spoke to a manager and she told me that the product that I had had been discontinued and offered me a product that was similar for the same price, this person also had the correct credit cards for billing.

So she signed me up but I was unable to log in, she opened a trouble ticket with their support team. Seven days later i called back and spoke with a very snippy person who told me that it had not been 10 days and to call back. I was completely frustrated. I asked for a manager and was told NO. Two days later my payment had been credited back to my acct and MY EQUIFAX SCORE HAD DROPPED 60 POINTS. My score for the other agencies dropped by 5 points for a couple of new credit inquiries. 
I WILL NEVER DO BUSINESS WITH EQUIFAX AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
In XX/XX/2017 I created an account at Coinbase.com, with the intention of purchasing some cryptocurrency. I passed my identity verification screening, which included adding my name, address, bank account information, credit card and even uploading my driver 's license to confirm my address and age. I was allowed to make multiple deposits of XXXX, XXXX, XXXX and XXXX dollars. 

I purchased some cryptocurrencies, paying fees each time, then sold them, again, paying coinbase a fee. 

Once the funds for the transactions were released into my coinbase cash account, I went to make a withdrawal of said funds ( total amount in my account is {$1800.00} ), but was told that I would need to " verify my identity '' using their supposed " 3rd party verification service '', which required even more details than were required to fund the account. I went through the steps advised, entered all of my information, including new info ( last 4 of SSN ) but each time the provider said that " verification could not be completed at this time ''. I attempted to complete this procedure over FIFTY times. I emailed coinbase over a dozen times, have direct messaged them on XXXX and yet have gotten no help ( only automated replies, or suggestions to continue changing the information I enter into their verification system, to no avail ), and my funds remain frozen. In a last ditch effort, I went to CLOSE my account, so that I would finally get MY OWN MONEY, but even trying to close an account requires this broken verification. They won't even let me close the account or withdraw my funds!!! This is a significant amount of money, that belongs to ME, and it is criminal and negligant for coinbase to deny it to me, when I have done everything within reason to verify who I am. 

It has been about 3 weeks since this debacle has started, and I am finally desparate enough for outside help ( Hence me contacting you, Consumer Finance Protection ). 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company is still falsely reporting payments made in am attempt to extend the life the loan on equifax credit report. They are reporting that a payment was made XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT, in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act. 

Your company responded with " We are not reporting payments made on this account. The last payment we show reported was XX/XX/XXXX. She has disputed this account several times but we are reporting what our records indicate. '' Yet equifax is reporting payments made, as EVIDENCED BY MY CREDIT REPORT. Equifax does NOT report payments made UNLESS THE COMPANY CALLS TO REPORT IT!! Therefore im seeking legal counsel and start the process for a class action lawsuit And it was bro7ght up directly with XXXX and i showed him my credit report and he laughed and responded " oh i dont know how that happened '' EITHER FIX IT OR A CLASS ACTION SUIT WILL COMMENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My lender has locked my access to the account., Online and on the phone. They want {$50.00} direct draft from my bank account to place on deferment. I get calls multiple times a day from different numbers and they are all Navient collectors. They refuse to take a check or money order for payment. They refuse to discuss payment options until I give them my routing number. I also was unable to print my tax information because my account is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
In the XXXX. of XX/XX/2018. I enrolled through my bank site using XXXX. I initiated a transaction in the amount of {$600.00} to my daughter for XXXX XXXX. I was immediately advised by email the transaction was under review. Frustrated, with contradictory marketing of the application ( which conveyed funds would be transmitted in real time ) and the fact it was a bank offering BB & T ( I knew funds were available and I had not been advised of anything being wrong with my account ). I contacted their customer service number and selected option 4 which pertained to XXXX and spoke with representative XXXX XXXX. I was advised my account was not in a fraud status but, the transaction was being reviewed for fraud. I conveyed I wanted to cancel the transaction and un-enroll from using XXXX. I conveyed I felt it was urgent my daughter receive the funds in that her appointment was Monday. I was placed on hold and upon his return to the line, told I could do neither. I then later, went to the bank when it opened. I was serviced by XXXX. Poor XXXX really did not understand XXXX as a bank offering, and after much dialogue, she called internally for support. She was told the transaction would not go through. I checked my phone and could see emails confirming. I physically removed the funds. I went to XXXX and used XXXX. I briefly spoke with the banks customer service representative XXXX, as I was leaving. She felt I would be able to cancel my relationship with XXXX. I tried her method and could not do so. I e-mailed her but, have yet to receive a response. Today I noticed after accessing every vehicle of protocol the bank offered. The bank has not canceled my relationship with XXXX ( an application which requires you to give access to all your contacts in your phone book ). And the bank actually took the money out of my account. I will go to the bank physically to have funds refunded. But, I wanted to advise the CFPB so they could insure the bank is providing the consumer with accurate/upfront information about 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 2018-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi there, I received an invitation from BBVA Compass to open a checking account betweenXX/XX/XXXXXX/XX/XXXX for a {$200.00} bonus after direct deposit within 60 days. I applied through the link provided by BBVA onXX/XX/XXXX, and had my first direct deposit from employer onXX/XX/XXXX. Multiple representatives from general customer care, marketing and underwriter department confirmed that I am eligible and would received the bonus beforeXX/XX/XXXX.

By today, XX/XX/XXXX, I still have not received the bonus, and the rep over the phone now found the excuse that the account was approved on XX/XX/XXXX regardless my submission on XX/XX/XXXX. The delay was due to the high volume of application and slow review process from BBVA. I was informed multiple times that as long as I submitted the application before the deadline, XX/XX/XXXX, i would be still eligible. Now BBVA tried to avoid its own obligation with this lame excuse. This is not the right way to do business. At this moment, I need to seek help from CFPB.

Thank you very much, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I'd like an explanation as to why the Consumer Financial Protection Bureau hasn't lifted a finger to do anything about the Equifax Data Breach. I'm one of the Americans who's personal information was stolen, and now I have to spend the rest of my life paying for services and keeping on the lookout for people who use my social security information to open fraudulent accounts in my name. 

Either you figure out a way to have people securely change their identity confirmation documents, or you hold Equifax accountable. 

The fact that XXXX XXXX on XXXX has done more to hold Equifax accountable than a government agency is an absolute disgrace. This morning I read in a news article that XXXX XXXX shelved plans to test the on the ground security from this happening again. 

This isn't a matter of making sure there aren't to many regulations on businesses. This is a matter of a government agency holding a private company accountable for collecting and not safeguarding my private data, which they didn't even have permission from me to have in the first place. 

Do anything. Seriously. Do anything because as far as I can see you have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
OnXX/XX/XXXX, I applied for a balance transfer with AMERICAN EXPRESS. OnXX/XX/XXXX a balance transfer in the amount of {$3900.00} + {$110.00} which is 3 % of the balance. The terms are 15 months NO interest. I have been making ON TIME payments for XXXX,XX/XX/XXXX & XX/XX/XXXX With NO additional useage of card, but being charged " finance fee '' each month. I have called each month with NO resolution. They correct for the previous month and it happens AGAIN the following month this has become quite FUSTRATING! The attached statement balance should be {$3100.00} as you can see it ISNT!

Company response to consumer: Closed with explanation