vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
On XX/XX/2019, my mortgage was assumed by Shellpoint Mortgage Servicing. On XX/XX/2019, I made my mortgage payment online. At that time I attempted to apply an additional amount to my principle balance, over and above my minimum payment, but the website did not allow me to. I subsequently emailed this company to inquire why this happened. I received a response that said I wasn't able to pay additional principle because there was an outstanding {$99.00} fee due on my account. When I called to inquire what this fee was for, I was told that this was for a `` drive by inspection '' that they performed on XX/XX/XXXX. I never asked for, authorized, or was advised of this appraisal. 

My complaint is twofold. First, how can this company arbitrarily charge me fees for appraisals that they, at their own discretion, deem necessary? Two, how is it legal for them to limit my ability to pay additional principle amounts when I make my payment? 

Thank you for your attention to this. I look forward to your response.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: FL

Complaint narrative:
I DEMAND TO KNOW THE REASON/S AS TO WHY THE XXXX XXXX XXXX XXXX  ACCOUNT STILL REMAINS REPORTING NEGATIVELY UNDER XXXX AND TRANSUNION.

XXXX WAS ABLE TO GET IT REMOVED SINCE I STARTED DISPUTING THE INACCURACIES ON : XX/XX/2019, THEY COMPLETELY DELETED THE ACCOUNT FROM MY REPORT ON XX/XX/2019. THIS ACCOUNT REMAINS CHARGED OFF WITH A HIGH BALANCE AND IT IS TRULY HINDERING THE OVERALL HEALTH OF MY CREDIT SCORES. XXXX MANAGED WASH OFF THE ACCOUNT BECAUSE THERE IS NOTHING VERIFIABLE, ACCURATE NOR COMPLETE ABOUT IT. ONCE AGAIN, NEITHER XXXX NOR TRANSUNION HAS RESPONDED BACK TO MY DISPUTES, THIS IS GETTING RIDICULOUS. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE ( FCRA ). PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED COMPLETELY FROM ALL REPORTS.

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 2019-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I Purchased an XXXX Watch from XXXX XXXX on XX/XX/XXXX and It cost {$2200.00}. The quality of the watch is bad and I have to send back to the merchant several times to fix and did not get the watch back for almost a year. I don't have any patient and would like to dispute the transaction since I don't have the product here with me. I contacted the merchant many times by phone, mail, emails to manager, chat with customer service ... But no hope. 

I contact Bank of America to request a dispute for that transaction. I fill out papers, contact BOA several times and they denied my request because it is out of the time frame. It is very not fair, since my account was charge {$2200.00} for nothing. It would make sense if I keep the product! My case ID is XXXX and was opened on XX/XX/XXXX. I submits all papers on time to BOA, all documents to prove my case and a letter to explain my situation. I have no choice now to asking CFPB a request to stand on my side. Thank you and I hope to hear from you soon.

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 2019-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase transfer to a FRAUD SCAM Brokers - XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX XXXX! 
I would also like to point out that on XXXX XXXX - I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA Bank Paid {$800.00} toward my VISA account via a direct bank to bank transaction on XX/XX/2019. When I noticed the payment was posted but there was no change in the available credit, I contacted USAA. 

USAA indicated that there was a hold until XX/XX/2019. 

This is the XXXX season. More importantly, as a XXXX veteran, who served 20+ years, I am having XXXX XXXX on XX/XX/XXXX and had planned to use my card today and tomorrow. Although stated in their terms, this practice would appear to be predatory and unfair to veterans and American consumers, at large. 

Sincerely, XXXX ( XXXX ) XXXX 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 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
last year about this time i checked my credit report and i discovered that this unknow acct was placed on my credit report on all credit bureaus, apparentley it has been there since XX/XX/2016 i immediatley contacted all 3 major bureaus and explained i have no knowledge of said account i was prompted to dispute the inaccurate information and to contact the company i did explained that i dont even know anything about a XXXX XXXX XXXX, and this reporting is inaccurate and negativley impacting my credit score by placing a derogatory mark on my credit score. 
needless to say all info was verified by data furnisher. I have tried to dispute this over and over and the results are still the same.I would like to file a complaint with CFBP because i feel i have exhausted all measures to get this inaccuracy remove permanently from my credit report and history as well.. 
The Name of this company and address is LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX USA I would really like to get this issue resolved and deleted immediatley from all credit bureaus.. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I had a credit card through Comenity for a medical procedure. I paid my account off in full on XX/XX/2019. In XXXX, they charged me {$23.00}. I emailed to simply ask what the charge was. I was told that it was an error and would be refunded to my account in full ( resulting me back to a {$0.00} balance ). This did not happen. I emailed several more times and had to eventually call them in early XX/XX/XXXX and speak to 3 different people, up to a manager. After all this, they explained that the charge actually was not a mistake, it was the interest accrued from the time I was billed in XX/XX/XXXX, until I paid it off later that month. However, the manager said that since I was told it would be refunded, they would honor it. I was very clear with the manager and asked if I would continue to be charged, and she told me no. I would have a {$0.00} balance and there would be no additional charges. By this point, with additional interest and late charges, there was an additional {$27.00}. It was finally refunded on XX/XX/XXXX and I was back to a {$0.00} balance. Then on XX/XX/XXXX, I was charged a {$2.00} " minimum finance charge '' again. I started again emailing them and after several emails back and forth, they keep telling me that since I had a charge on my account XX/XX/XXXX, that there is a minimum finance charge. No matter how many ways I explain to them that the charges were incorrect and refunded, and that I should have had a {$0.00} balance, and for them to read the notes on my file, they continue to charge me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I took advantage of a promo offer from Shop Your Way Citi Credit Card that was between XX/XX/19 XXXX for 10 % off Online purchases. I made 4 purchases on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. They have gave me credit for 3 of the purchases and the one in question that I have not received credit for is the one on XX/XX/XXXX for {$380.00} for XXXX, which I made online. Citi is claiming that it was a phone order but I have the receipt where I ordered it online. Citi said since XXXX reported it as a phone order that they refuse to give me credit for this purchase. I had made a call on XX/XX/XXXX and talked to a manager and they said they would issue me credit for this purchase on XX/XX/XXXX. I called today and now they are saying its XXXX 's problem. I think I did want the promotion offer specified and are due {$38.00} for the XXXX purchase online. I have no control how they report the charge to Citi, either online or phone order. But it was purchased online. Any help you could give me in this matter would be appreciated. I have enclosed a copy of the order that clearly shows it was from 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 2019-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank reposed the vehicle and has left the loan balance on my credit report. When I purchased the vehicle, a week after I had been driving it, they sent me and added a $ XXXX Finance charge, that was never discussed at the signing table.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I HAD A COMPLAINT XXXX AND THE ONLY TIME I GET ANYTHING ALMOST DONE IS WHEN I MAKE A COMPLAINT I HAVE HAD MANY SCHEDULED SHERIFFS SALE I HAVE ASKED THEM NOT TO DO THIS UNDER AGAIN UNDER 12 C.F.R. 1024.41 ( g ) of regulation X of Dodd Frank prohibition of foreclosure sale the BANK CAN NOT GO TO SHERIFFS SALE IF A COMPLETE APPLICATION FOR LOSS MITIGATION OPTION IS UNDER REVIEW AT LEAST 37 DAYS PRIOR TO THE SCHEDULED SALE DATE I GOT A LETTER LAST WEEK SAYING THEY HAVE EVERYTHING AND WAIT FOR THEM, I HAVE SENT THEM THE SAME THING AT LEAST 15 TIMES AND I AM NOT KIDDING THIS SHERIFFS SALE SHOULD NOT BE LISTED AND I ASKED NO MORE BE LISTED, I TOLD THEM I LOST XXXX XXXX XXXX XXXX  CANT SLEEP CAUSE PEOPLE ARE LOOKING IN MY WINDOW DRIVING BY SLOW AND EVEN KNOCKING ON MY DOOR THIS IS NOT RIGHT THEY SHOULD HAVE MODIFIED THIS A YEAR AGO THEY CAN SAY WHAT THEY WANT EVERYTIME THEY ASKED FOR SOMETHING I SENT IT RIGHT AWAY LAST ONE IS THAT MY HUSBAND DID NOT PUT HIS INITIAL BETWEEN HIS NAME HE PUT XXXX XXXX AND MORTGAGE SAYS XXXX XXXX XXXX NOW THIS TOOK THEM 2 YEARS TO NOTICE THAT I DONT WANT TO LOSE MY HOUSE I NEED HELP CAUSE THESE PEOPLE DONT CARE MY SUPPOSED GUY XXXX XXXX I HAVE YET TO HEAR FROM HIM AND EVERYTIME I CALL HE IS NOT THERE BUT WE CAN HELP YOU I HAVE PROOF OF EVERYTHING I SAID WHAT I SENT WHEN I SENT IT AND THE LAST LETTER STATING THEY HAVE EVERYTHING PLEASE STOP THIS STOP THEM FROM MAKING ME GO CRAZY LITTERALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My husband selected the wrong amount to pay on the XXXX Card on the app. So he paid over {$11000.00} to XXXX Credit Card when only {$1100.00} was intended. Our checking account had {$5500.00} when the {$11000.00} payment went through. Instead of rejecting the ACH to XXXX, Ally Bank paid it. Now my bank account is -XXXX. We have a saving account with {$5300.00} at the same bank that is now on hold because of the negative balance in my checking account. And only will be released when the checking account is made whole. 
I know I can request XXXX to return the extra money, but that can take up to 9 days according to their customer service department. I called Ally on XX/XX/2019 at XXXX to find out why in the world they paid for that ACH. I spoke with XXXX first, then to a person who said she was XXXX 's supervisor. I tried to get her to spell her name but all I could hear was the first three letters XXXX. The supervisor refused to spell her name again. She is also supposed to send me the policy via email and US mail that covers why that happened. So far, no email from this supervisor. This supervisor could not quote the policy of her bank for my situation. She also disconnected our conversation before I could answer the phone survey Ally Bank offers after every phone call. 
I want to know why Ally put us in this situation. They have made it impossible for us to resolve this with our own money. Did they follow their policy? Or did they intend to loan us {$5700.00} with no payment schedule and no access to our money?

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 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, NY,XXXX. I purchased a Microwave Cabinet and it was delivered to my home. Upon arrival we noticed it was too large and did not fit in my home, the merchandise was taken back in exchange for a smaller one. That said I never received a smaller Microwave Cabinet and my bank ( chase ) continues to send me statements given I paid for this with my credit card. I have been going back in forth with Chase and XXXX XXXX  XXXX XXXX store for months and have been getting the run around. After filing a dispute with Chase XXXX XXXX XXXX XXXX stated that a smaller Cabinet was sent to my home but this is 100 % FALSE. I never received the smaller cabinet and am still paying my monthly credit card statements for a product I don't have, in order to sustain my credit score. 


Attached is the resolution they sent Chase, indicating that a smaller cabinet was delivered which did not happen. They also state that I will only be charged the cancellation fees which total {$230.00}, but the total balance they intend to charge is still {$430.00} broken down by {$340.00} for the cabinet and an additional {$90.00} for the smaller cabinet. I think its injustice to charge me this amount given I did not receive any goods in exchange. I am XXXX years old and have very limited social security income, I can not afford to spend {$340.00} on something I did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Besides sending them numuries times of my pay stub as they requested and the either lost it or say they cant read as yet the court house already has all the records and this has been going on for far to long. And this all started as they lost the document many times. And the amounts they have increased the mortgage from its original amount over $120,000 and changed the amount of the original payment from XXXX  a month to over 1400 a month the have way to many fees for them doing there best to delay the entire process. I can't understand there math as some of there figures don't add up. As the keep changing the mortgage company an hit my credit many times with my even consent then charge me for it. And each time they use there lawyers they want I pay over $ 20,000 for each of 3 times. for their little time of work. They are over charging to make extra money for themselves and their lawyers. And then want over $80,000 to just reinstate the loan but even if I send any amount they will just take it an still sell  the home. Each time I've filed for a hardship help or modification they seem to have lost the paperwork or shred to by mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Applied for a VA refinance with a broker named XXXX XXXX with XXXX XXXX.

He send me a CD indicating an {$4300.00} Pricipal reduction to Client P.O.C lender.

Rate on mortgage 2.99 % Date XX/XX/2019 I agreed on the terms, told him that I was going to be out of the country starting XX/XX/XXXX-till XX/XX/2019.

He stated no problem, I would be signing the documents on XX/XX/2019.

On XX/XX/2019 I received another CD, stating that my interest rate has changed from 2.99 % to 2.875 %, and my principal reduction is reduced to {$2300.00}.

I called XXXX XXXX and asked for an explanation, he stated that it was beyond his control and that Quicken loans made him do it, and he tried to argue with quicken and their manager, to no avail.

I called Quicken loans call center, and was told that they really could not discuss it with me, I should contact XXXX XXXX.

However, the person I spoke with stated it could be that my broker did not how to do it, and or I could have changes in my credit, or something else.

For the record nothing changed in my excellent credit, and or anything else in my status pertaining to the loan.

So on XX/XX/XXXX I signed the loan papers, feeling rushed, and pressured, and under duress by having to make this decision prior to the Sunday when I was leaving.

I just feel that this, in my opinion, is a switch and bait tactic and should not be allowed to happen.

I'm a XXXX XXXX XXXX Veteran suffering from XXXX  among other ailments and have a hard time figuring out how to combat this, so maybe you could help me out?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I am on a now closed joint checking account with my XXXX year old mother. Neither myself or my mother have any business dealings or accounts and have not authorized any ACH debits with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, or Fidelity National Information Services , Inc. dba XXXX dba XXXX. 
On XX/XX/2019 an unknown person used Fidelity National Information Services XXXX XXXX dba XXXX dba XXXX service of processing ACH payments and made an unauthorized {$4500.00} debit to the checking account. Fidelity National Information Services , Inc. dba XXXX XXXX XXXX used their prior name XXXX XXXX XXXX XXXX  ACH clearing account that is linked to the original predecessor bank XXXX XXXX XXXX  XXXX to withdraw the funds from XXXX XXXX XXXX, XXXX. 
In response to a prior complaint to CFPB the XXXX XXXX XXXX, XXXX  verified that the originator of the unauthorized debit was XXXX XXXX XXXX XXXX and it is public record with the Secretary of the Commonwealth of Massachusetts that XXXX XXXX XXXX is the new name of XXXX XXXX XXXX XXXX. All supporting records are attached. 
XXXX XXXX XXXX, XXXX stated the following in an email, The name of the company who originated the transaction is XXXX XXXX XXXX XXXX. Their address is XXXX XXXX XXXX XXXX MA XXXX. Their phone number is XXXX. In a subsequent email they stated, The originating company ID is XXXX. 
This layering of ACH debit transactions and willful use of obsolete names shields the natural person criminal from detection. Without being able to identify XXXX XXXX I can not make an accurate police report. Furthermore, I have learned that in ACH fraud crimes where a layer of subpoenas is needed to identify the natural person criminal suspect they are often skipped over by law enforcement in favor of easier to prove cases and may never be prosecuted. 
Fidelity National Information Services , Inc. dba XXXX dba XXXX XXXX XXXX can identify the natural person criminal suspect with this information : 1. The transaction information : XX/XX/2019, XXXX XXXX, - {$4500.00}. 
2. The XXXX XXXX XXXX, XXXX account number of 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 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Wednesday, XX/XX/2019 I attempted numerous times to open a dispute on Experian web-portal about 4 inquiries on my current credit report. After several seconds, an error message displayed " due to technical difficulties we are unable to process your request '. 'Please try again later ''. This number was listed to call - XXXX however ; there was no option to speak with an representative and the call automatically disconnected me. I called all of the numbers associated with Experian, including the number your representative provided - XXXX, and the same problem existed. I directly contacted the companies listed on my report as the ones who made the inquiries and their representatives had no record of these inquiries or any financial dealings with me. 

I had my data exposed under the XXXX, XXXX XXXX and XXXX  breaches therefore ; I am highly concerned about the fraudulent inquiries reported on my Experian credit report. ( I ordered my XXXX  credit report and these inquiries were not present. Additionally, I ordered my XXXX credit report however ; it must be mailed. ) Please help me contact Experian to dispute the inquiries in question on my credit report. 

Kind regards

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