vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
My brother passed away on XX/XX/2019. I found that he had a Coinbase account with XXXX ETH in it. Currently worth just under XXXX XXXX dollars. I looked up what to do with a deceased account and Coinbase said they would transfer the assets to another Coinbase account pending documentation. This initial contact with the company was on XX/XX/2019. 

I submitted the documentation and was given a set of instructions. I followed the instructions and they did not work. I told support I followed the instructions. They said follow the instructions. I sent pictures of what my screen looked like, wallet ID info, address, etc. Coinbase responded with ... follow the instructions. It seemed like the process was run by a chat bot as responses did not react to my messages. 

I tried to call Coinbase on XX/XX/XXXX, customer service said that only a specialist can help and I should get a response shortly. Nothing. Contacted on XX/XX/XXXX. No response. I contacted them on XX/XX/XXXX. Nothing. 

Coinbase is refusing any action and wrongfully holding onto the assets of a deceased individual, ignoring family requests and court documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
My mother in law passed away in XX/XX/XXXX. She divorced her husband in XXXX and legal proceedings were held to remove him from the morgage held by XXXX XXXX at that time. In XXXX the morgage was sold to M and T bank. They have been informed of our want in succesor of interest, however they refuse to alliviate XXXX XXXX, my divorced father in law, of his responsibility to the debt. After much discussion with XXXX XXXX and many document transmitals. Their final response from their representative, XXXX XXXX was that it, '' sounded like a XXXX XXXX problem and not a her problem ''. She also seemed to think we might be interested in coming into their New York based office from Texas.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 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: IL

Complaint narrative:
To Whom It May Concern, I am writing in regards to filing a complaint against the Loan Servicer, Navient ( formerly, Sallie Mae ) for with-holding information regarding the all necessary payment options ( PSLF ) allotted to me from XX/XX/XXXX year XX/XX/XXXX. 

Please note that all evidence is identified with a letter and will be prompted to view within parentheses following the necessary statements. 

All of my XXXX loans are through Navient/Sallie Mae. My timeline of payments is as follows : ( not all records of payments have been made available for evidence ) XX/XX/XXXX -- -- -- -Payments Made ( A ) XX/XX/XXXX -- -- -- -Payments Made ( B ) XX/XX/XXXX-- -- -- -No Payments Made XX/XX/XXXX-- -- -- -No Payments Made XX/XX/XXXX -- -- -- -Payment Made ( C ) XX/XX/XXXX -- -- -- -No Payments Made XX/XX/XXXX-- -- -- - Payments Made ( E ) XX/XX/XXXX -- -- -- -Payments Made ( D ) ( F ) XX/XX/XXXX -- -- -- -Payments Made ( G ) XX/XX/XXXX-- -- -- -Payments Made ( H ) XX/XX/XXXX -- -- -- - Payments Made ( I ) XX/XX/XXXX -- -- -- -Payments Made ( J ) XX/XX/XXXX -- -- -- -Payments Made ( K ) On XX/XX/XXXX, I made a phone call to Navient/Sallie Mae asking for help regarding my payments ( N ) . As noted in the evidence provided, it was only after I had exhausted all of their given payment options that they offered the PSLF Program by providing me with the government website to explore the program. During this phone call, Navient/Sallie Mae informed me that I had 290 days from my last payment due date before my account would become delinquent ; unto which I was already four days into my delinquent countdown.

Further evidence demonstrates that Navient/Sallie Mae with-held viable payment options as the document states that I have, already reached the maximum amount of time allowed for forbearance ( *O ). In addition, this document clearly shows that Navient was not willing to help as they told me to continue to make your payments as scheduled ( *O ), then led me in circles by only providing me options that I had already exhausted or were already participating in ( P ).

Unfortunately, as the above timeline proves, if Navient/Sallie Mae had provided me with the option to utilize a federal government program ( PSLF ) designed to help public service providers, such as myself ; I may have already had my XXXX   loans forgiven. Instead, as the above evidence states, I am in the first years of the program

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX To whom may concern, My name is XXXX XXXX # XXXX is being violated in zip codes XXXX and XXXX I am currently working this this business and a older woman send me mail to settle disputes with my debt, these people are mail tampering. Mail tampering is A XXXX fine! they been doing it for over a Year. They opened my mail so that when I work with the business I receive a hard time. these people come with all kinds XXXX ( excuse my curse I am tired of it ) They are retaliating against me and my religion. they are violating the constitution, the Civil rights act of 1964 and the first amendment. I do believe in XXXX " Amen-dment '' and I am trusting the process but now I am done with these people. I am XXXX XXXX XXXX overcoming a struggle and upcoming. I am being more aware of what people are doing and trying to have control over my life. these people are trying to stop me from having a good life. I am targeted in my community. the hate is real discrimination is ongoing. My bank account has a history of fraud. I am not perfect but I realized what these people were doing and there trying to make me pay for false debt by giving me fraud checks and not putting my correct address and ID theft. I gave them 2 ids to ID me and they refuse to help me. Every time I walk in they are violating the Civil Rights Laws of 1964. This city is doing bad and this is no disrespect to TD bank itself, its just the ones in XXXX. It is a struggle city and I am battling these people the RIGHT WAY while these people promote fraud! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian received certified mail no. XXXX requesting that they retrieve the police report documentation from the XXXX XXXX police department report XXXX pertaining to the XXXX accounts. I have contacted the XXXX XXXX XXXX police department and they confirmed Experian never retrieved any documentation pertaining the fraud cause in regards to the XXXX. Instead Experian continues to report these accounts that were involved in fraud anyways. I demanded that is is their repsonbilltiy to retrieved the police reports under the law for them to do so and they have continued to do investigations without the police reports. They have failed to do 100 % accurate and 100 % verifiable investigation in regards to these XXXX accounts. I certified in my letters that I was the one writing my letters. They continue to not remove these fraudulent accounts from my credit profile. I am requesting for them to do business in good faith and remove these accounts promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I am asking for an updated qualifying payment count regarding my federal loans under the Public Service Loan Forgiveness program. 

My counts are off considerably. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Since XX/XX/XXXX we have been actively attempting to obtain a payoff quote for our HELOC held by PHH Mortgage so that we may payoff and avoid foreclosure proceedings. The HELOC matured in XXXX, XXXX while we were in Chapter XXXX reorganizational bankruptcy ( filed on XX/XX/XXXX and discharged on XX/XX/XXXX ). We have been trying to work with Ocwen Financial the HELOC holder, now PHH Mortgage ( XX/XX/XXXX ) to resolve. We were advised by Ocwen/PHH that modification and payments would not be accepted. The only resolution to avoid foreclosure was to payoff the loan in it's entirety. 

We have secured loan funding which is ready to close but we have been unsuccessful in obtaining a valid payoff quote. We were advised that a payoff quote was forthcoming on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When I requested a verbal quote I was told it was not available in my file. I was also told a Relationship Manager was assigned but have been unable to reach or receive a call back. Instead I was placed in a holding queue receiving inaccurate or conflicting information at every call. I was advised on XX/XX/XXXX that a payoff quote was issued and would be faxed to our Escrow Officer. The payoff would be good through XX/XX/XXXX. I was advised again today, XX/XX/XXXX, that the quote was faxed to Escrow Officer on XX/XX/XXXX - it was not. They also could not provide the figure of the payoff verbally, We have also tried to contact XXXX XXXX, XXXX the Foreclosure Attorney leaving a voice mail ( only option provided when voice mail box was not full ) to no avail. I have spent in excess of more than 30 days and over 24 hours of cumulative hold time spent trying to avoid foreclosure proceedings and payoff the quote. Please note the 'Notice of Default ' that was filed on on our property on XX/XX/XXXX only provided PHH contact information by which to obtain a payoff quote and lists 90 days to resolve. The payoff figure listed showed a good through date of XX/XX/XXXX ( we received on XX/XX/XXXX ). We are nearing the expiration of the Default with foreclosure impending. Again, we have loan funding at the ready to close but can not get a payoff quote. I find this to be completely unacceptable and as such have filed a complaint with the XXXX XXXX County Consumer affairs. I will also be filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel. I respectfully request escalation of this issue with immediate resolution in the form of a payoff quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: CO

Complaint narrative:
XXXX is reporting incorrectly to Equifax and XXXX a collection in the amount of {$130000.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I have tried numerous times to obtain from XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of this collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
On XX/XX/2019 we were informed via letter that our escrow account was short. And that we would have to pay {$1300.00} by XXXX or our monthly mortgage payment would go up. In the letter there was a summery of our payment history and projections. We only pay Hazard Ins, Water/Sewer and County Tax. On the projection page they had a charge I was not familiar with, Ground Rent for {$1300.00}. When I called PHH Mortgage and questioned them about the new charge no one seemed to know what it was for and recommended I call my County Tax Assessor. The County Tax Assessor confirmed that the charge for Ground Rent was not correct and they had never seen a Mortgage company charge for that before. I called PHH back again to see if I could get more info on the charge and they said there is nothing they can do, and I should get an attorney. 
Im getting bullied by my mortgage company and there seems that there is nothing I can do but pay an attorney and sue them! 

***RESPA Section 10 violation for sure!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: AZ

Complaint narrative:
I called the collections company the day I received the notice. I disputed it that day. They told me they sent XXXX  ( the cable company who made the original mistake, underlying this issue ) a notice that it was under dispute. I then spoke to XXXX who agreed to process a request to write off the remaining 9 ... a request that was rejected ( according to XXXX  ) only because Credit Control Corporation never in fact submitted my dispute. In effect, they lied. ( XXXX, employee ID # XXXX can confirm this on the XXXX side ). And a direct result of their lie was that XXXX 's attempt to cancel this utterly insane debt, was denied.

One would like to think that lying to folks about whether their alleged debt is under dispute or not would be a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. THIS IS ALSO STOPPING ME FROM ACCOMPLISHING A LOT OF THINGS THAT I NEED TO ACCOMPLISH AND IT IS NOT FEAR TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
my name is XXXX im want to file a lawsuit to chase bank for emotional distress because i just got my check from work and went to deposit it and it was loading for about 10 min like the check was still processing and its been like 15 min and still loading and im like this isnt right so i go inside talk to an employee telling them that that atm ate my check and went bqck outside and the machine printed out a receipt saying that machine isnt working so i was talking to the employee and he said that it have to wait a couple days like 10 for credit for XXXX $ and i dont need credit for XXXX i need my check or my cash back cause i have payments to make and i had several mental breakdowns cause of thay because i have debt to pay off in 4 days and i cant wait 10days for that XXXX so yeah

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I previously submitted complaint XXXX which CFPB closed following receipt of Chase Bank 's response. Chase committed in their response that : " ... Our current online account opening application will not allow our Chase Private Client ( CPC ) to open CD accounts online. We are performing a system upgrade on XX/XX/XXXX that will allow our CPC customers to open CD accounts online. You may proceed with opening your CD account after this date. ". 

XX/XX/XXXX is long gone and I, as a CPC, have tried multiple times to open a CD account online - with NO success. The situation is the same as before. Chase Bank is falsely advertising and has provided both the CFPB and their customer with false information. Given that I am unable to go to a branch and can only open a CD online, every day that passes that I am unable to invest my seven figure amount that's in the Chase savings account - is a financial loss to me - and, of course, allows Chase to get away with not having to pay interest! They have a vested interested that the funds will remain in a zero percent interest savings account! Why is CFPB allowing Chase to get away with this? If CPC customers aren't still able to open accounts online ( though as of XX/XX/XXXX Chase claimed we were supposed to be able to do so ), why does CFPB still allow them to advertise this option on the Bank 's online website? Totally outrageous and CFPB is enabling this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: CO

Complaint narrative:
XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$130000.00} on the XXXX/XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I have tried numerous times to obtain from XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of this collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Approximately 2-3 weeks ago : Attempted to access Equifax account to insure flexibility in changing the freeze status of my account. Could not access. After an hour on hold, finally reached a representative who proceeded to ask security questions to verify my identity. One or more of the questions concerned accounts that had been closed for several years, so I, obviously, could not answer. So account access was not granted. I was instructed to request a credit report via mail and contact them upon receipt. 
Today : Called back. On hold for 30 minutes again. Hold recording said I could press the one button and be called back. Did so and was immediately disconnected. Called back. On hold for 20 minutes. Was then connected to a representative. Spoke with broken English. Very difficult to understand. Was asked four questions from my credit report which I had directly in front of me. Somehow, I failed. After some discussion, I was given a second chance to obtain access to my own credit account. 
Was able to provide the information to her satisfaction and was told that I had properly identified myself. With representative still on line, attempted to sign in to account and was rejected. She said to wait 24 hours and try again.

My confidence level of account entry in 24 hours is very close to zero. I would like to appeal to the  powers that be to intervene with this company and insure that the customer base is serviced properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I am selling the property as a short sale. The short sale approval took almost a year from the first lien holder but it was approved. The second lien holder could not be located. It was originally with XXXX, then the FDIC and lastly with XXXX XXXX. Called XXXX  and they said they closed down and sold their assets. They looked up the loan and said that this particular loan remained with the FDIC, even though XXXX currently still showed XXXX as the servicer. 

The FDIC said they do not have the loan and that XXXX had it. Upon contacting XXXX they said they do not service loans and are only acting in the capacity of a nominee for the servicer. After explaining the problem they said they can help provide a release of lien if it was with the FDIC at one point which this was. So I sent them what they requested. At this point the short sale approval had expired and the bank put a foreclosure sale. I didn't think that XXXX  was going to help and the first lien holder felt the same way so I thought I was just going to get foreclosed on because there was no way to find who the debt was owed to on the second mortgage. 

Then XXXX  responded and said they are recording a release this week. I immediately informed the first lien holder and they said that's great but they don't know if they can postpone the sale. They suggested filing for bankruptcy but that's not an option. I explained that only they can request a postponement and they said they would try. 

The sale is for tomorrow. The buyer is still willing and able to close in two weeks if the first mortgage can provide a new short sale approval, which they said they could. 

When all seemed like there was no way to avoid foreclosure now there is a way to close the sale and avoid foreclosure and I'd like to be able to do that. 

Please help.

Company response to consumer: Closed with explanation