vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Adjustable rate mortgage payment increased from {$3600.00} to {$9000.00}. 

Have never missed a payment or been late in 13 years, but ca n't refinance because we do n't have 2-years employment history, so a loan modification is the only option. 

We 've been in the Ocwen " Request for Mortgage Assistance '' process since XX/XX/XXXX, and provided all the requested documentation by XX/XX/XXXX. It takes Ocwen 2-3 weeks to review documents, and on three separate occasions they have requested the same document that is already in their possession. 

It 's impossible to reach a representative who can or will review the paperwork and sign off, and we have n't even made it to the underwriting/remodification stage. 

It appears that Ocwen 's strategy is to appear like they are trying to process loan modifications, while relying on purposely inefficient processes to maintain the status quo. I know for a fact it would n't take this long if they were processing a new loan application. In the meantime, our mortgage payment increased by 2.5x and  {$5400.00}. We ca n't survive much longer.

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 2017-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Capio account # XXXX amount is {$250.00} this was placed on my credit report and no one ever called me or sent me information. This debt is not validated as I have insurance and it was paid. XXXX XXXX ... their office is not helpful at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently applied for XXXX XXXX Credit Card, the main purpose for the request was to obtain the promotion of {$0.00} transfer fee before the first 4 months. When I contacted on XX/XX/2017 the credit card company, they explained that they did n't have that promotion and will charge the higher of {$5.00} or 3 % for the transaction. I ended up accepting the charges. When I visit the website, there is a misleading promotion stating " 0 % intro APR for 21 months on purchases and BALANCE TRANSFERS '', while in small letters " There is a balance transfer fee of either {$5.00} or 3 % of the amount of each transfer ''. Its implied that when you make a balance transfer to a 0 % APR for 21 month credit card, you not going to pay APR for the balance on the credit card, if so what is the purpose of the transfer.

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 2017-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion, has been advised, and I have tried to remove multiple names reported on my credit report. I do not go by any of these and never have. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The only way I spell my name is XXXX XXXX. I have tried to delete these as well as contacted Transunion to delete them. After several attempts I have had no success.

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 2017-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Hello- The is regards to a wire transfer sent from my account at Huntington Bank XXXX On XXXX/XXXX/XXXX I initiated a wire to XXXX XXXX XXXX via XXXX XXXX XXXX. I received a phone call on XXXX/XXXX/XXXX advising me as follows. I have a recorded transcription of this as well. " This is XXXX from Huntington bank and I am calling about the wire on the XXXX for {$2400.00} this wire was going to XXXX to XXXX XXXX XXXX they are unable to apply these funds stating that the beneficiary name is incorrect. we are requesting these funds be returned to us, if you have any questions please call us at XXXX reference # XXXX " I called on XXXX/XXXX/XXXX and was advised that the beneficiary did not receive the funds and would NOT receive the funds as a recall had been initiated. I subsequently initiated a wire in the same amount of {$2400.00} on XXXX/XXXX/XXXX under the auspice that my original funds had not been received by our vendor. 

I was advised to call back in a week and check if the funds from the 1st wire had been credited back. When I called back I was advised that the funds from the first wire had not been credited to the XXXX XXXX XXXX, and that Huntington was waiting on XXXX XXXX and XXXX XXXX XXXX to return the funds. I was advised that this process can take up to 30 days. 

I continued to call in weekly and check the status of the {$2400.00} from my original wire that Huntington repeatedly advised me was not received by the beneficiary. And was told the same thing each time. Nothing to worry about. Recording of all these phone calls should be available. 

Finally on XXXX/XXXX/XXXX I received a phone call from Huntington bank, XXXX in the wire transfer department. in regards to the recall request that was sent on XXXX/XXXX/XXXX. There is a denial from XXXX XXXX XXXX to return the money. And we are considering this case closed. Please contact the beneficiary for any further information. reference # XXXX I am requesting my original wire of {$2400.00} be credited to my account immediately by Huntington Bank. I was repeatedly advised throughout the process that the money would be coming back to me and the beneficiary never received the money only to be told 30 DAYS later that the beneficiary in fact received both wires and was refusing to return them. 

The communication breakdown in the wire system with Huntington Bank is unacceptable and fraudulent. They repeatedly advised me no further action was necessary and " not to worry '' all while the stood idlely by doing nothing to recall the original funds. There wire process and wire department needs to be investigated throughly so this does not happen to customers in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have a student loan now with Navient. they state that they only maintain the history of the loan payments for the last 50 months. They have reported the loan as negative on my credit report based upon information from XXXX. They contend nd that I did not make certain payments prior to XXXX XXXX, but do not have the information prior to that time. I have requested a complete history of the payments they are showing prior to the last 50 months and are unable or unwilling to provide me with the information requested. They sent me on a run around to XXXX XXXX XXXX XXXX who advised that they do not have the information and do not know where I can obtain it. I spoke with XXXX at Navient her ID number is allegedly XXXX XXXX and she was not helpful and rather dismissive

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Family First Funding LLC
State: NJ

Complaint narrative:
I refinanced with Family First Funding LLC on XX/XX/XXXX and was told not to make a mortgage payment for 2 months and expect escrow of about {$4000.00}. On XX/XX/XXXX the old mortgage company XXXX XXXX deducted my payment from my account. Contacted XXXX XXXX and was told that XXXX XXXX XXXX had sent the payoff on XXXX/XXXX/XXXX to XXXX XXXX, but XXXX XXXX had not received it as of XXXX/XXXX/XXXX. I was directed to XXXX XXXX XXXX XXXX and the agent told me the money had been " intercepted ''. Upon questioning I was told that because of my name and background and religion the money was " intercepted '' and had to be checked out. Then in mid-XXXX XXXX XXXX XXXX once again takes out my old mortgage payment because they still have not received the payment. I stopped the payment. At the end of XXXX XXXX XXXX reported that they had received the payment but because of late fees and penalties my escrow was only {$1500.00}. Meantime XXXX XXXX sold the mortgage to XXXX XXXX. I made my XXXX XXXX mortgage payment but received a letter from XXXX that the company had shorted the escrow and that I owed an additional {$960.00} in interest and penalties. Every agency tells me that there is nothing they can do and will not speak with my any more.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: TX

Complaint narrative:
I purchased a rifle scope online in XX/XX/XXXX. The merchant shipped me the wrong scope. The scope I received was worth much less than the {$1600.00} scope that I ordered. The merchant denied responsibility. 

I disputed the charge with my credit card provider, Citibank. During the dispute process they provided incorrect information that caused the dispute to run past timeframe. A Citibank Customerservice representative provided this incorrect information to me via customer service chat box. There is a record of this but Citibank refuses to release the chat log without a subpoena. A representative advised me not to obtain a third party opinion letter on XX/XX/XXXX. A week later I was advised to provide the letter. I promptly obtained the letter and sent it in to Citibank electronically on XX/XX/XXXX.

Citibank would not continue with the dispute in XX/XX/XXXX because the deadline for dispute supposedly passed on XX/XX/XXXX. I believe my dispute rights were violated because Citibank could have continued the dispute past the timeframe with a reasonable chance of success. I called in numerous times asking them to pursue the case, and they ultimately closed my account and stopped accepting my calls. 

I had my full credit card account balance paid for other than the {$1600.00} charge. I was able to get a credit of {$400.00} from Citibank as a courtesy. The remaining balance of {$1200.00} ultimately reached {$1500.00} as missed payments and late fees kept rolling in during the months I spent trying to get Citibank to remove the charge. Citibank has also harassed me with collection attempts via phone and mail. They ultimately charged off my account as bad debt. The account has recently been sent into collections. I believe their actions are illegal and have damaged my credit severely for the past 2 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 2017-12-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: VA

Complaint narrative:
My son took out a Sallie Mae student loan. He listed me as the " closest relative ''. Apparently he is behind on the payment - he says he has talked to them, I do n't know if it 's true but I am not responsible for his debt and do not want to receive calls regarding his debt. They continually call me almost every day, even though I am not a co-signer and have asked no less than 15 times not to be called anymore. XXXX ID # XXXX at XXXX ext XXXX has called me 3 times in the last week alone, despite being told every time not to call me any more. What can be done about this?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc.
State: PA

Complaint narrative:
Affidavit of Denial XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX Dear Client Services, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Number : XXXX Reference Number : XXXX Amount Balance : {$5600.00} FTC Identity Theft Report Number : XXXX Victim Fraud Assistance Department I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I deny this debt as I am a victim of identity theft. 

Please provide me with the following : 1. Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt 2. The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On or around XX/XX/XXXX I telephoned XXXX XXXX credit and requested to close the account. I also requested the total amount due and paid that amount via a debit card. The representative DID NOT tell me that there was a late fee and did not include that amount in the total amount due. I paid {$160.00} and assumed the matter closed. I never received any communication of any kind from XXXXXXXX XXXX credit. I moved across town but submitted a forwarding request with the U.S.P.S. and all other mail has been forwarded to my new address. 
This matter only came to my attention when applying for a home loan and seeing my credit report. My credit had dropped almost 100 points and this was the only negative item on the report. In XX/XX/XXXX my  score was XXXX, now it is XXXX! 

I feel XXXX XXXX credit intentionally failed to tell me about the late fee when I closed this account and has an internal policy of delaying processing payments in an effort to generate exorbitant late fees. They intentionally failed to make a good faith effort to notify me of the late charge. They have greatly damaged my credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I previously had a Coinbase account, where I would invest money. The account has locked me out, forced me to withdraw my funds, and will not allow me to re-create my account. It says I was in violations of XXXX. XXXX has referred me to this complaint process to remove my name from whatever list I would put on so I can create an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Creditor : National Credit Systems XXXX XXXX XXXX XXXX XXXX GA, XXXX PH : National Credit Systems is not the original creditor or owner of this debt. It shows that it was XXXX XXXX. This company and their corporate office was contacted and stated they have no records of any DEBT ever owed in my name. Account under the last name XXXX This account DEBT is not mine and was created through identity theft. I have been disputing this DEBT for years with the credit bureau 's and the creditor. The creditor has never responded to any of my certified letters that I have sent them. XXXX responds every time that the DEBT was verified but no proof provided so I can turn the info over to the FBI.I filed a complaint against this creditor with the Better Business Bureau in XXXX but they have not did anything. XXXX  continues to ignore my disputes and refuse to delete the fraudulent account. When the Idenity theft occurred I met with the FIB and reported this case and the credit bureau 's were notified at that time. However XXXX stated they ca n't find the Idenity Theft documents in their file. I want this DEBT removed immediately and National Credit Systems be held liable for damages. National Credit Systems redponded to the last complaint I filed with CFPB asking me complete a Affidavit Idenity Theft form. Attached to the for they stated I should not share the form with CFPB or any other company or agency.???? Im sure due to them know they would be subject to exposure of violation of the law or my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I wired Coinbase {$14000.00} to purchase Bitcoin. I 'd contacted their support department first on XX/XX/XXXX in regards to this wire not posting to my account. All of this was done under Coinbase Case ID # XXXX, I again tried to contact them through their online support system since they do not have phone support on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been told that my case is with the correct support team and that is it, I 've received no estimated time my money will be available to me or any reasonable contact to make me believe my {$14000.00} is not just lost and/ or stolen or any number of other possibilities. I put in a Better Business Bureau complaint and all Coinbase has told me from that is the same reply that my issue is in the correct teams hands without any idea if or when my money will be provided back to me. I ultimately just want what I sent Coinbase my {$14000.00} for, Bitcoin. I think it is completely unbelievable that they have had my money for now over 2 months and I just keep getting the run around that the correct team is engaged but I have gotten zero resolution and really awful support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I sent a request to Experian asking them to send me documentation regarding some accounts that were inaccurately reporting on my report. ( See the attached ). I never got a response from them. On XX/XX/XXXX, I sent them a request to follow suit ( See the attached ) and delete the accounts since they never provided me the documentation I requested and they had been removed from another credit bureau. On XX/XX/XXXX, Experian completed my dispute and only verified the accounts. They still have not sent me documentation I requested regarding the account and did not follow suit and delete them.

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