vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Case : XXXX Merchant/Amount : XXXX XXXX {$62.00} Subsequent CFPB Case No : XXXX ( answered XX/XX/18 ) XXXX unanswered as of this writing 1. ) Merchant claims they issued a " merchandise credit '' vs. a credit to the original payment method. Merchant is incompetent and confused as the only merchandise credit or gift cards used at the merchant were XXXX presents. 

2. ) Merchant has not adequately explained as of yet as to why they would issue a " merchandise credit '' and not credit the original payment method utilized. 

3. ) By way of this complaint, I will continue to exercise my rights under the credit card billing dispute guidelines. Specifically, " Your Rights if You Are Dissatisfied With Your Credit Card Purchases ''. I've already attempted to correct the problem in good faith with the merchant. Further, under this right, all of the following are true : - The purchase as made in my home state or within 100 miles of my current mailing address, and the purchase price was over {$50.00}. 
- I must have used the credit card for the purchase. 
- I have not yet fully paid for the purchase. 

4. ) Lastly, the merchant failed to mention that the " bill to '' and " ship to '' address were different on the original order. Additionally, the merchant disclosure included XXXX tracking information showing delivery to the " ship to '' address, not the billing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I received a notification on my credit report that a new debt has been added to my credit report in XXXX of 2017 from TSI/XXXX. I contacted the reporting agency via phone to see what this was regarding the amount of {$100.00}. I was told that it was for a medical bill I explained to them That I not once received a letter stating that a debt was owed for this medical bill and that they are violating the fair credit reporting act / fair debt collection act. Because I never received an original letter of the right to dispute or a letter stating that it will be reported on my credit report or resolved it before it went toward my credit report. 
The female that I talked to was extremely rude on the phone and refuse to understand what I was explaining to her how I know these laws are out there to protect the customers and she treated me like I did not know what I was talking about which the conversation ended in a verbal screaming, cussing, and match. I even stated that i will dispute it because I never received the right to dispute and she stated dispute it your not going to win it still will be on your report regardless which I find that is a complete abuse of authority I was originally wanting to resolve the matter before it went to my credit report but I was more upset that it went on my credit report because I did not want any damage done to my credit score. 3 weeks after the incident I received a letter for the amount I never received the original right to dispute before it is reported on my credit report before any damage was done to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a disputed ( false ) charge of {$92.00} on XX/XX/17, which was properly removed that month. I closed my account at the end ofXX/XX/2017- or early XX/XX/2017. 
I received another letter on the closed account dated XX/XX/2017 confirming I wasn't responsible for that charge. 

However I later learned they posted a new charge of {$92.00} on XX/XX/17 on the dead account without my knowledge. 

In XX/XX/2017 I discovered they reneged on the removal of this charge. I filed a dispute on the Chase website where they stated I'd get a written notice of conclusion. 

I called on XX/XX/17 advising I had a XXXX balance closed account for several months and never charged anything new. I advised I do not owe late fees or the amount they allege and they can not treat this like a fresh account. 

The company refuses to offer an accountable person who is competent enough to completely resolve the dispute. Instead, they are filing negative credit reports as if it's an active revolving credit account. There appears to be no way to resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Creditor 's Name : Pentagon Federal C. U. 
Creditor 's Address : XXXX XXXX  XXXX, VA XXXX Creditor 's Telephone Number : ( XXXX ) XXXX Date of the denial : XX/XX/2018 XXXX XXXX Also know as XXXX XXXX XXXX XXXX XXXX Also know as XXXX XXXX XXXX Loan amount {$160000.00} Loan number : XXXX Comparative Evidence of Disparate Treatment : Failure to explained loan procedures for the approval process. 
Mortgage protocol that is not cost effective for applicants. 
Misleading on the loan protocol process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
I am trying to cancel my account for several months. There is an old open case in Coinbase Support : Case # XXXX - Trying to cancel my account Other cases of the same situation https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
During the Housing crisis beginning in XXXX the value of my home decreased dramatically. My goal was to reduce my monthly payments and have an affordable interest rate. Ocwen my Lender instructed me that in order to do just that I must refrain from making mortgage payments for 89 days. On the 90th day Ocwen implemented foreclosure proceedings which resulted in applicable attorney and appraisal fees. These fees were unathorized and unwanted. After disputing these charges with their Resolutin team and the Ombudsman department for 6 years I realized the charges must be paid. Since XXXX I had hoped these charges would be resolved. Ocwen refuses to remove the charges.. 
.

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 2018-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a follow-up to XXXX which I filed two days ago. Today my Transunion credit score decreased another 11 points for a total decline of 98 points in two weeks despite the absence of any new derogatory information and the absence of any new credit inquiries. Positive information was added and several minor bits of derogatory information aged off. The only changes that accompanied the 11 point drop was the  removal of an old missed payment and removal of the last-first-middle variant of my name ( which is also listed in first-middle-last order ). I continue to believe that the 98 point drop is some sort of retaliation for previous CFPB complaints I've filed against Transunion or the numerous requests I've made over the past year to, successfully, remove various bits of incorrect and outdated information 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 2018-03-15 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Back on XX/XX/XXXX thru XX/XX/2017 I was a victim of idenity theft. Someone wire frauded money out of my checking account therefore making me 2 months behind on my mortgage. I have filed a FBI report and a XXXX XXXX Police Department report ( report # XXXX ) I'm asking wells Fargo to remove all the 30 days past due on my credit report to all the credit bureus. I can provide a copy of police report if 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 non-monetary relief
Consumer complaint received 2018-03-15 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: NC

Complaint narrative:
I received a copy of my personal credit report and submitted a dispute letter to Experian to validate payment history for account # XXXX. Experian sent a letter back stating it was verified-not validated. I asked for the names and numbers of who they spoke to validate the accuracy of the account that is reporting on my credit report because this is the responsibility and the law of the credit bureaus whenever reporting any item on my credit report. 

They have not provided the information requested and has the account remains on 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 2018-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from Synerprise. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Caine and weiner a collections company from the roque state of CA. failed to report that the debt was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If  a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ),  that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I contacted the collection agency requesting validation XX/XX/XXXX but no response. Then I contacted the bureaus on XX/XX/XXXX. XXXX and XXXX  NEVER validated but removed the account. ONLY Experian has NOT validated the account and/or responded. They just continue reporting it. This is a violation of FCRA. Your assistance would be greatly appreciated.

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 2018-03-15 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Back on XX/XX/XXXX thru XX/XX/2017 I was a victim of idenity theft. Someone wire frauded money out of my checking account therefore making me 2 months behind on my mortgage. I have filed a FBI report and a XXXX XXXX Police Department report ( report # XXXX ) I'm asking XXXX XXXX to remove all the 30 days past due on my credit report to all the credit bureus. I can provide a copy of police report if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
its been a long way trying to fix this problem with this people but all they did made me lose my money and waste my time.Firstly On XX/XX/XXXX they received a check from XXXX XXXX dealer about a gap cancellation .insteed that money go to the principal they took that as a payment. charging interest .we claim for that but that was worse when they fixed they changed the payment day as I have not made payment for the last month charging me high interest .I called them on XX/XX/XXXX th because they send rowng stayment and were charging me XXXX dollars of interest they told me that was rowng and all is going to be ok todat after payment they took everything of interest and say the same of always leave a claim and wait for at least three days and again and again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: NV

Complaint narrative:
I called experian because they listed themselves as the reporting agency for bankruptcy on my credit after I disputed the fact that before they had the United States bankruptcy court as the reporting agency so I went to the bankruptcy court and they supplied me with a letter to experian that they do not report bankruptcy to the credit reporting agencies and they were In violation of the fair credit reporting act section 111 ( a ) ( 1 ) ( A ) because this was not my bankruptcy. I called the agency in witch they transferred me to a disput agent I informed him of my situation and he did see that I didnt even have anything on my credit to file a bankruptcy and this was a fraud situation he told me to hold then returned to the line I told him that since they are now listing themselves as the reporting agency that I would need the proof and documentation baring my signature to verify and this is now being recorded so I could further discuss with my attorney handling several fraudulent things done by my ex husband because hes the only person I know that has had my information in the past and has filed bankruptcy which had nothing to do with me but before I got a chance to inquire anything about their dispute he immediately hung up on me after I spent over 3 hours on hold because XXXX XXXX has deleted this so Im not sure why no other agency is willing to do a proper investigation supply me with documentation for the reason this is on my credit or if they dont have documentation do the proper thing and remove it. Secondly Why would a professional credit dispute investigator refuse to give me information my attorney sent them a written letter requesting it because it is my right to have the information because the bankruptcy court they claimed supplied them with the information doesnt have it and they just flat out hang up on me just because I let them know our conversation is going to be recorded if they are doing what is right then whats the issue??? I dont want to purchase their services so they want to mis report information now all the sudden that has been the same for years because I have questions about whats on my 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 2018-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2017 i opened a CitiGold Savings account which i was promised IN WRITING a 1 % interest rate for 3 months and a {$500.00} cash bonus after 90 days ; the {$500.00} bonus can not be located according to CitiGold Customer Service! 

i called the : Citigold Realtionship Manager at my branch ( a XXXX XXXX @ # XXXX XXXX XXXX ) ; the branch manager , XXXX XXXX @ # XXXX XXXX XXXX is on vacation XXXX claims she put forth an investigation, twice, yielding the same answer : there is no record of any {$500.00} bonus!! 
Compounding matters and unbelievably, i was informed XXXX put in the investigation- request to my checking account ( and not my savings account ) erroneously (?? ) Please help me get the {$500.00} due to me ; i am also requestiong an additional {$2000.00} for my work time lost and my extreme stress dedicated to trying to fix the problem entirely created and continually perpetuated by Citibank thank you very much 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