vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XXXX XXXX I had a negative balance of XXXX. I added XXXX to leave XXXX negative. Chime had it at XXXX negative. I message thru their chime bot and nothing. On XXXX XXXX I was charged XXXX for a game I do play and buy coins for but Not that transaction. Once again nothing. Never no mentioning of refunding my money but was told my card will be disabled due to it being compromised. I responded back DO NOT DISABLE my card, cause it was not compromised. Chime refused to refund the money and wants to hide the fraudulent activity the company has going on by disabling my card with my money on it that I use to pay my bills. I would like to file an civil suit against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: TN

Complaint narrative:
I am a victim of identity theft. An account for XXXX showed up on my credit report. I did not open, authorize or use this account. I contacted XXXX and was told to contact XXXX  XXXX  as they now handled the debt. I contacted XXXX through the CFPB and received a response indicating they investigated my claim and have ceased collection efforts on the account. On my credit report XXXX is still reporting this debt. I am disputing this debt and requesting its immediate removal. I have attached a copy of the full complaint filed against XXXX  XXXX  regarding this debt, including their response indicating their decision to stop collecting this debt due to identity theft. Please note that due to file size I was unable to upload the document directly to credit bureaus website and thus had to use the CFPB.

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 2021-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
i applied for a VA streamline refinance with a lender other than the current one. i realized i not did have the Note in the package provided by the original lender. i have tried for a month to obtain the note from current lender. i need your help to obtain a copy of the note from current lender to consummate my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: FISERV FINXACT CORE
State: WA

Complaint narrative:
On XX/XX/XXXX I wrote two checks at XXXX XXXX. Both cleared my bank on XX/XX/XXXX. However, Telecheck, the vendor for electronic checks for XXXX XXXX both cashed one check for {$300.00} then put it through again as NSF on XX/XX/XXXX. That check also cleared my bank on XX/XX/XXXX. 
I have spent over 6 hours on the phone with XXXX, the bank, Telecheck, and XXXX XXXX  trying to resolve this. On XX/XX/XXXX XXXX faxed proof that all three checks had cleared to Telecheck with the case number Telecheck provided. 
Yesterday I received a letter from Telecheck saying they had insufficient evidence to investigate and instructing me to write a letter, get copies of all transactions for five days before and five days after each transaction and send all with a copy of the letter to them. 
Since the second transaction happened XX/XX/XXXX, I had to request a ministatment from XXXX, which will take another five days to get. 
Today Telecheck also processed a {$30.00} NSF fee against my account. 
XXXX XXXX has tried to help. They are sending my letter and a copy of the XXXX bank statement out in the mail today. I expect this will take another week at least to be received and processed by Telecheck. Telecheck now has {$330.00} of my money and is completely nonresponsive. This is money I can ill afford to lose right now. 
The preauthorzed check numbers involved are XXXX and XXXX. The check presented in error is XXXX. The NSF fee is number XXXX. I would like to have my money back and any derogatory information removed from my Telecheck record as well as XXXX 's records. Thanks in advance for any assistance you can provide. 
The Telecheck case number is 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 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The company's/TD Bank 's response to our previous complaint with the ID no. XXXX is evasive, non-responsive to the issue raised, i.e. our request/application for rate of interest modification/reduction wrongfully denied, as it has been thoroughly explained in our complaint. 
In its response, received on XX/XX/XXXX, without answering the issue, TD Bank advises us seek further assistance from its Customer Service Team and the local branches. Upon calling, and visiting the local branch, as directed, on XX/XX/XXXX, and XX/XX/XXXX, we have been told that the rate modification program no longer exists. 
How convenient for the " most convenient bank in America '' that provides " legendary service '', as it constantly advertises, to avoid providing a basic service for its customers!! 
We hereby reiterate our request for a modification/reduction of rate of interest

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. An account for XXXX showed up on my credit report. I did not open, authorize or use this account. I contacted XXXX and was told to contact XXXX XXXX as they now handled the debt. I contacted XXXX through the CFPB and received a response indicating they investigated my claim and have ceased collection efforts on the account. On my credit report XXXX is still reporting this debt. I am disputing this debt and requesting its immediate removal. I have attached a copy of the full complaint filed against XXXX XXXX regarding this debt, including their response indicating their decision to stop collecting this debt due to identity theft. Please note that due to file size I was unable to upload the document directly to credit bureaus website and thus had to use the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: NC

Complaint narrative:
On XXXX I filed a proper dispute of two unknown medical accounts being reported to Equifax by XXXX XXXX XXXX ( acct # XXXX and acct # XXXX ). On XXXX I contacted XXXX XXXX XXXX with a dispute and request for validation on these medical accounts per instructions from XXXX. On XXXX I re-disputed to Equifax with a copy of my dispute/validation letter to XXXX XXXX XXXX, along with proof of the collection agencies receipt of the dispute. Equifax has refused to properly investigate or remove this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Nationstar Mortgage d/b/a Mr. Cooper alleges to have acquired servicing/ownership rights to an alleged loan that was RESCINDED in writing XX/XX/2006 at XXXX XXXX ( see attached confirmation sheet ) from SETERUS INC.

SETERUS INC WAS finally made to surrender their license by both Federal and State regulators, but not before they passed their heavily flawd and fraudulent servicing platform on to Nationstar Mortgage d/b/a Mr. Cooper. 
XXXX XXXX was notified of the RESCISSION that took place in 2006 and was provided a copy via CERTIFIED mail. NATIONSTAR MORTGAGE d/b/a Mr. Cooper was also notified of the rescission. 
I have had more than {$200000.00} cash dollars extorted from me by XXXX before and the alleged loan was identified as a part of the national mortgage settlement agreement. ( see attached ). 
My home has no unpaid mortgage on it. SETERUS HAD NO ENFORCEABLE CONTRACT TO DEMAND MONEY NOR DOES NATIONSTAR MORTGAGE d/b/a Mr. Cooper. 
NATIONSTAR MORTGAGE d/b/a Mr. Cooper IS WILLFULLY with full knowledge filing fraudulent documents into the XXXX County Ga land records ( See attached ) IN VIOLATION OF GEORGIA 'S The Georgia Residential Mortgage Fraud Act ( O.C.G.A. 16-8-100 et seq. ) Under the Georgia law, a person commits the offense of residential mortgage fraud when, with the intent to defraud, the person : Files or causes to be filed with the official registrar of deeds of any county of Georgia any document the person knows to contain a deliberate misstatement, misrepresentation, or omission ... 
Nationstar Mortgage d/b/a Mr. Cooper is demanding I submit payments to them using a loan/account number that has no legal contract tied to it. Nationstar Mortgage d/b/a Mr. Cooper has assigned a void contract in my county land records to itself on behalf of XXXX XXXX. XXXX XXXX disavowed that fraudulent claim by SETERUS INC and XXXX XXXX confirmed and clarified its previously provided history with the former XXXX transaction in writing, making the assignment of NAtionstar a total fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This problem is with a Citi Rewards card. Since XX/XX/2020 I - like many other people - have been experiencing problems with both receiving & sending mail. My credit card from Citi Rewards has been arriving late. As soon as I receive it, I immediately call Citi Rewards to inform them of the late delivery - write a check & send it in. OK - I've done my part - however Citi Rewards doesn't see it that way & they cut me off saying I hadn't paid. Not true - I sent a check to them over 2 weeks ago & it is delayed in the mail. I have a good credit history & payment history - but this virus has thrown everything out of order. I want Citi Rewards to rescind fees to at least all of us who are good customers & reinstate my account. I see no reason for Citi Rewards to withhold service given the situation we are all in. I am not the only 1 - I've heard from friends & neighbors being in the same situation. This is not the time for credit card companies to be gouging us w/extra fees when the situation is beyond the consumer control.

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 2021-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i was at the XXXX store buying things went home like nothing bags in my arms i got in my apartment put stuff down realized my wallet and cell were lost went back and nothing i searched nonthing. days after i went online banking seen all my money was gone how much more i have to go threw fighting XXXX  XXXX failure

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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:
On XXXX I filed a proper dispute of two unknown medical accounts being reported to Experian by XXXX XXXX XXXX ( account # XXXX and account # XXXX ). On XXXX I contacted XXXX XXXX XXXX with a dispute and request for validation on these medical accounts per instructions from Experian. I re-disputed to Experian with a copy of my dispute/validation letter to XXXX XXXX XXXX, along with proof of the collection agencies receipt of the dispute. Experian has refused to properly investigate or remove these fraudulent accounts.

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 2021-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MST Financial Services, L.L.C.
State: CA

Complaint narrative:
The collection office has not provided the required documents showing this account is in default. My insurance and original service provider are looking and investigating the payment/ insurance part of this claim of {$350.00} for XXXX XXXX. I ask the collection agency to return the collection back to the original provider to resolve our issue, but they would not work with me. They have been bullying me to pay and I feel this will not only hurt my credit but all future prospective employers. They will not give me an interview or opportunity due to my credit been damaged by this collection. This company is problematic to consumers because of its practices of bullying and threatening consumers.

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 2021-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I went to sleep with {$10.00} in my account Friday XX/XX/2021 and woke up with a balance of - {$64.00} on XX/XX/2021, every time the bank does posting at night, my money is missing from my account. Also I dont have overdraft protect, so my card should decline ever transaction in which I go over balance. I believe this bank is selecting which transactions to post in an order in which it overdrafts my account then still charges me overdraft fees but not posting them on the app so the I can see those fees. Lets just call them ( Hidden fees ) because they hide these from me and I know they are still doing it. I called and I am told Im not being charged, but this is not true. Please help me! You can even keep 25 percent of whatever money you find on my behalf. 

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
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: FL

Complaint narrative:
On XX/XX/XXXX I received a collection letter from a company that purchased the account with my name. I am disputing this debt from XXXX XXXX XXXX XXXX XXXX due to the following, 1 ) the collection agency and XXXX XXXX improperly obtained my address in another county " without my consent '', 2 ) decided to miscommunicate, by no communication in regards to resolving this debt sooner rather than now on XX/XX/XXXX, no notification prior to a collection agency purchasing the debt, as this is deemed a threat to report on my credit report prior to informing of the debt collector purchasing the debt from XXXX XXXX, 3 ) an invasion of privacy since I did not personally provide an address, telephone number, or email even though the Plaza Services, LLC, the current creditor has my information to use against me without my consent, or prior knowledge. Furthermore, due to COVID-19, I have been out of work since XX/XX/XXXX. The statute of limitations may have expired and this may be the reason the creditor, Plaza Services, LLC has purchased the so-called XXXX XXXX loan. Furthermore, I am disputing this mainly based upon COVID-19, as I am unemployed, deemed the current creditor as invalid, the contract is null and void due to a nature disaster, COVID-19 and that I have no obligation to pay due to circumstances that have affected my finances. This debt letter is improper to send due to a natural disaster that has caused unemployment, as well as a Florida Statute 787.01 ( 1 ) where I involuntary had to relocate, so I am adding XXXX County Case Number XXXX to eliminate any other illegal activity with the current creditor, Plaza Services , LLC .

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, I have a negative money amount on my PayPal account. A buyer have requested a refund or something, but he didn't tell me anything and I didn't get the goods back as well. It's totally a fraud and I have all the proofs. They will definitely try to do the same scheme with other payments ( they paid from different accounts ). Please help me. Providing all transaction IDs ( from PayPal ) he sent money from : XXXX, XXXX, XXXX, XXXX, XXXX Attaching the screenshot he sent last time paying for item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: FL

Complaint narrative:
the INFORMATION ON THE CREDIT REPORT IS NOT CORRECT AND I HAVE SUBMITTED MY COMPLAINT AND GIVEN THE COMPANIES ALL THE INFORMATION THEY NEED AND NEED MY REPORT CORRECTED. 


I HAVE PROVIDED MY ID I HAVE PROVIDE MY SOCIAL THEY HAVE MY ADDRESS THEY HAVE MY BIRTHDAY I JUST WANT MY CREDIT REPORT CORRECTED AND THE ITEMS REMOVED. PLEASE AND THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
When I applied for XXXX XXXX XXXX XXXX and got approved, my credit score was XXXX. Six days prior I had looked into my credit report and found my credit score at XXXX. So, I had applied for a credit card with Citizens Bank which was denied, because of the two different conflicts of credit scores with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
I have been trying for several months to have PMI removed from the account. I contacted the company via phone on XX/XX/XXXX. They told me to call back after 30 days, which would allow them time to investigate. I called again on XX/XX/XXXX and was informed that nothing had been done regarding the issue. I contacted the company on XX/XX/XXXX and was told that the problem appears to be that the system is incorrectly showing lender paid PMI. I have not heard anything more. In the meantime, we continue to pay PMI every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
My wife and I lost our home on XX/XX/20, Technically we were evicted on that date we owned the home yet were not given our due process because the mortgage company ( Selene finance ) claims we did not answer the complaint which is not true because we answered the complaint through the office of foreclosure in XXXX which I'm certain can be easily verified, I know this is sort of after the fact but we both feel this should never happen to any homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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:
the INFORMATION ON THE CREDIT REPORT IS NOT CORRECT AND I HAVE SUBMITTED MY COMPLAINT AND GIVEN THE COMPANIES ALL THE INFORMATION THEY NEED AND NEED MY REPORT CORRECTED. 


I HAVE PROVIDED MY ID I HAVE PROVIDE MY SOCIAL THEY HAVE MY ADDRESS THEY HAVE MY BIRTHDAY I JUST WANT MY CREDIT REPORT CORRECTED AND THE ITEMS REMOVED. PLEASE AND THANKS

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 2021-01-23 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: FL

Complaint narrative:
I HAVE SUBMITTED A COMPLAINT AND TRIED TO WORK THIS OUT WITH THE COMPAINES BUT THEY WILL NOT HELP ME.CAN SOMEONE PLEASE HELP ME

Company response to consumer: Closed with explanation