vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have an open mortgage with mr Cooper loans. Today myself and many customers noticed multiple payments withdrawn without consent leaving my account negative. Some payments were refunded There was no payment due and I am not on auto payment either. Nobody answers their phone. Their XXXX page is flooded with complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX XXXX is a new credit card XXXX replaced when Co was sold to a new onership.I was with XXXX old card since XXXX paid on time, bought many things, including partial roof and siding for my home, never had an issue.I was issued a XXXX XXXX XXXX Card with the last # XXXX in XXXX.It had a fraud charge near the end of the yr XX/XX/XXXX, I called and paid the amount and fees I owed but not the fraud amount they stated it was removed, They send a letter stating the card was now closed # XXXX replacement card last # XXXX, I never used the new card, then in about 2 weeks I received a statement sent to me with a fraud order XX/XX/XXXX SP Quest nutrition XXXX CA with FEEs! I called that day and canceled my credit card and business with them, also I send several letters which they are ignoring now the balance is $ XXXX.Now my XXXX is XXXX from XXXX.My credit records always are good.Also if you see XXXX and the Shop your way Card # XXXX, I paid my bill.And when you try to talk to the operators they they hardly can speak english.I do not owe [ Shop your Way ] any money, Please help me with this, I have went to website and Shop Your Way has many complaints by many of their customers. 
Ms 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 monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I contacted Portfolio Recovery Associates and advised them that I do not want them to contact me anymore back in XXXX of XXXX. Despite this request, I was contacted via phone today by XXXX XXXX and was advised that they do not have a do not call list and that they require an email be sent in. This was not what I was advised of back in XXXX when I requested the initial no contact. Additionally this is the same company that contacted me at my previous employer around XXXX of XXXX and I advised them over the phone that I did not want to be contacted. It appears that they have simply been putting my name on a call later list. I do not wish to be contacted by this company again as I am disputing the account altogether.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
i had two refunds for homestead exemption - one for XX/XX/XXXXand one for XXXX. The amounts were approximately {$620.00} and {$520.00}. huntington should have automatically done an escrow analysis when they refunds the funds, but did not. i'm paying an inflated house payment due to that. i was in forbearance because of money worries with covid. they couldn't care less about their customers. TWO CS reps. dropped off calls with me today. the first one had NO idea how to help and gave me the wrong amount of my house payment without taxes/insurance. today is requested an escrow analysis and seek to know WHY this wasn't done in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Three mortgage payments were taken out of my account today by my servicer, Nationstar dba Mr. Copper. I received no communication from the servicer regarding this error. Not sure if my account was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
On XX/XX/2021, my wife and I decided to payoff our mortgage being serviced by Amerihome Mortgage of XXXX, New Jersey. I called their listed customer service number and, after significant delays due to their audio response unit, we were able to talk to a human being, identified as " XXXX '' and, another later as " XXXX ''. I was given a payoff amount of {$360000.00} on account number XXXX. I specifically stated to XXXX that I would be putting a personal check in the mail for that amount the next morning with no comment from her. I mailed the personal check on XX/XX/2021, knowing that it would take the company necessary time to ensure the funds were available before clearing the mortgage. 

I watched their website for my account to be updated in some way. I looked at it regularly until deciding to call them on XX/XX/2021, concerned that I had heard nothing and the account was not updating in any way. I was then told by " XXXX '' that the check had been received, but that a personal check was not acceptable and they didn't process. I asked since I could make regular payment online, could I then pay it off online. That was not acceptable either. Only a wired transaction was acceptable. I asked him then could I go to my bank and wire that amount or did he need to recalculate. He said if he did then it would be more and I should just send the stated amount. I immediately same day went to my bank and wired {$360000.00} to Amerihome. 

The money was, of course, immediately taken from my checking account, but two days later I called Amerihome again ( always a painful experience due to delays getting to a human being ). I was then told by " XXXX '' that the wire was inadequate because it was now short. I asked to talk to a supervisor, but was told that would take some time and because they needed to " complete some paperwork '' before I could talk to a supervisor. I suggested they do their paperwork and have the supervisor call me. They said okay, but would be 24 -48 hours before I could expect a call.

I never got a call from Amerihome, but my local bank called the next day to say they had gotten the funds back by wire with no explanation and were crediting my account. 
Because it was Friday, XX/XX/XXXX, I elected to wait to Monday, today, XX/XX/XXXX, when I called Amerihome again and got a new payoff balance of {$360000.00} and required them to give it to me in writing by email. I received the email and immediately went to the bank and wired the request amount. Because of Amerihome 's bureaucracy and inefficiency, I paid {$400.00} in interest and {$60.00} in wire fees unnecessarly than if they had simply processed my check

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TFC Credit Corporation of California
State: CA

Complaint narrative:
I had no idea this debt was outstanding. I have recieved no written or verbal comminucations from this company for years. In reviewing my credit file I came accross multiple accounts in collections through this entity. The amount range from $ XXXX {$100.00}. I had no idea they were still billing me and seemed strange all the different amounts. I decided to write them a letter with an offer to settle my accounts with them on XX/XX/2021 @ XXXX PST. The total of my balances are {$830.00}. and I offered to settle at {$0.00} on the dollar. My offer was {$250.00} and I promised to pay the settlement offer in full by XX/XX/2021 in exchange for a full removal and deletion of the consumer debt I owe if they chose to accept. I sent them the letter certified with tracking number # XXXX. I got confirmation that my letter was left with an individual on XX/XX/2021 @ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: FL

Complaint narrative:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance to Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, which was sent with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
In XX/XX/XXXX the due date of the Capital One Walmart card was changed to the XX/XX/XXXX. I could see this information at the end of XX/XX/XXXX when I checked my account online. It stated that {$28.00} minimum due on the XX/XX/XXXX. However when I went to pay the bill on the XX/XX/XXXX I noticed that I had received a past due fee of {$28.00} on the XX/XX/XXXX. I called today the XX/XX/XXXX and requested to know why if the online screen of their company showed a due date of the XX/XX/XXXX that I was charged a late fee of {$28.00} on the XX/XX/XXXX. 
The rep i was talking to said that even though the online screen showed a date of the XX/XX/XXXX that the statement ( which i had in XX/XX/XXXX signed up to have the statements delivered via email ) stated the XX/XX/XXXX was the due date and that is what they have to go by. I asked specifically why then does the web site say i have until the XX/XX/XXXX to pay the minimum due? That is extremely miss leading. He didn't have any answer for that. So i don't know how many other customers are having this happen where the online screen shows a due date and yet the company is going by a different one and charging fees accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: MI

Complaint narrative:
I paid for a service and was never even done I've tried to email the company several times and never received my services nor my payment. Chime will not even investigate this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, XXXX XXXX in Colorado requested XXXX and XXXX Bank Statements from my son, XXXX XXXX, for a current home loan transaction. Upon receipt of the statements, the lender rep ( XXXX XXXX ) contacted XXXX regarding the " Undisclosed Account funds ''. XXXX contacted me immediately and we found that Chase ( in error ) had attached XXXX as an authorized user on MY Premiere Savings Account. This is my most private and sensitive account. XXXX was NEVER authorized to be on this account and now MY most sensitive account information is attached to XXXX XXXX Bank Statements going back months and years. 
I went into my local Chase branch to get the error corrected. After 45 minutes with the branch manager, I was told that they fix it going forward but couldn't fix it the history at their level and the issue was routed through Chase Internal Customer Service. I was contacted approximately 10 days later and told " to reference page 18 of my Deposit Agreement ''. My Agreement talks about CD 's and Retirement CD 's on page 18. Nothing about Chase attaching Unauthorized Users. I was also advised that I was " at the top of the complaint department and anything further would need to come from an external representation. '' I contacted XXXX XXXX Consumer help and was given email for the Chase CEO of Consumer Accounts. Her office sent my request back to the Internal Complaint department and 10 days later I was told again to refer to page 18 of the deposit agreement and that they wouldn't change the error history. My information will remain exposed to unauthorized users forever because it is against Chase 's policy to correct the historical statements. Even if they are in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a federal student loan and I'm making payments of about {$700.00} per month. They're charging interest at the original rate of 9 %, which works out to about {$150.00} per month. It's my understanding that interest should not be accruing due to presidential orders. Navient has charged me a total of {$2700.00} in what I believe to be illegally obtained interest since XXXX of 2020. They are taking the position that my federal student loan doesn't qualify for the national, president-ordered interest rate pause. 

Please publish this. One way or the other, people should know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
Loanpal continues to refuse to update my account to reflect a legal name change from XX/XX/2020. Since this is an attempt to illegally block a legal name change by refusing to acknowledge it I will keep filing complaints every time I am ILLEGALLY dead named on my statements. I will also file a discrimination complaint with the federal government for every statement loianpal illegally dead name4s me on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, my online Citizens account reflects a charge for {$95.00} for Mortgage Insurance for HUD-Risk Based Premium payments, however, the loan was paid in full on XX/XX/XXXX. 
I requested a review of this charge for mortgage Insurance and deduction from my escrow account. I have confirmed with Title Agency, XXXX XXXX XXXX XXXX XXXX, who closed and prepared the closing documents, that PRO-Rata MIP fee assessed on my closing statement already covered the XXXX Mortgage Insurance Payment ( paid to Citzen 's One ). An attempt to rectify this issue with a customer service agent on XX/XX/XXXX and a letter sent to the bank on XX/XX/XXXX and XXXX XXXX, XXXX have led to " no findings '' however the bank has provided no context to how the Pro-Rata MIP paid to them in addition to the fee 's paid to the bank from my Escrow can be justified. 

A letter dated XX/XX/XXXX, simply stated : Your concerns were addressed in previous correspondence dated XX/XX/XXXX, and attached the same response. 

In more detail : Pro-Rata MIP represents Mortgage Insurance Premium. In my closing, held on XX/XX/XXXX, I paid {$190.00} to Citizens or {$95.00} for each month. At which time, no additional payments should have been drafted from my escrow fund. Despite that, they were. 
I have not only been charged from my escrow but double charged for both XXXX and XXXX via escrow, closing payments, and a regular mortgage payment made XX/XX/XXXX. 
The Pro-Rata MIP fee at closing appears to represent the monthly premiums for two months of Mortgage Insurance ( {$95.00} each month for a sum of {$190.00} ). 

Here are the details for payments made regarding MIP : - XX/XX/XXXX Mortgage Insurance Paid via monthly mortgage payment/escrow deduction of {$95.00} XXXX Pro-Rata MIP paid via closing deduction of {$190.00} XXXX Mortgage Insurance Paid via Escrow Deduction of {$95.00} From XX/XX/XXXX to XX/XX/XXXX a total of {$380.00} was paid for Mortgage Insurance Premium. 

Refund For Incomplete Services Included in the closing settlement statement prepared by XXXX XXXX XXXX was a list of fees paid to Citizens One Home Loans. Such fees represented an obligation to accurately and properly fulfill obligations to me as a customer and seller. Citizens One has failed to fulfill that obligation by ensuring that my account balance and information on file with the bank were accurately reflected and kept. Since my request on XX/XX/XXXX, and subsequent letters dated XX/XX/XXXX and XX/XX/XXXX, Citizens One has further demonstrated that even after said review, they are woefully inept to fulfill their obligations to rectify and respond appropriately. Therefore, I am still requesting a full return of the {$38.00} recording fee and the {$5.00} fax/statement fee paid to Citizens as the services paid for were unsatisfactory and incomplete. 
I look forward to resolving these matters promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have made purchases from XXXX XXXX before using synchrony bank card under promotion which states that you will pay equal payment without interest when you set up autopay. but the last purchase I did resulted in the system only charging a low portion of the amount owed which didn't cover the whole amount by the due date and resulted in a very high interest rate of {$320.00} when the full current balance amount was only {$960.00}. 
I believe Synchrony bank engages in manipulation of the auto pay feature which causes accounts to default on purpose and against what they promised. I paid the account in full but I refuse paying the exaugurated interest.

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 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
These are garbage debt buyers sending me copies of statements and no O.A.L.D. Was provided by two companies ( 1 ) LVNV FUNDING LLC and ( 2 ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
My sister and I went to a XXXX XXXX in XXXX FL to buy a {$200.00} Visa GIFT CARD. She owe me {$200.00} so she bought the Gift Card with her credit card and gave it to me. I tried to use the card few days later but was not able to do it because the available balance was not {$200.00} but {$0.00}. I went to XXXX in total disbelief to make the claim and the manager told me to contact the card. 

The card had the VISA logo so I called Visa but they said they have nothing to do with it. 
I called the number behind the card, the representatives only spoke XXXX, it was not an easy process but after few attempts I finally received some paper work by mail to start a dispute, filled it out, sent it back but did not hear back from them again. I tried to call in different occasions ( there's no phone number available for their dispute department, so you need to wait for someone from the number listed on the back of the card to transfer you, then the call would drop. 

I realized then I was dealing with a irresponsible company that clearly knows they have a glitch in their system and do not allocate resources to fix it. 
I was so aggravated and mentally distressed for having to go through such experience that ended up giving up on my {$200.00}. 

They try to delay and complicate the dispute process making it difficult and sometimes impossible for the affected party to get their money back. They ask for a receipt knowing this is a GIFT CARD and chances are you will not have the receipt. 

This way they get rid of a lot of claims transferring their responsibility to guarantee funds on the Gift Cards to the person that got the Gift Card because they will most likely there's no proof of purchase.

I still can not comprehend how a brand new VISA GIFT CARD has no available funds but they are very much aware they have a broken system and they should be obligated to disclose that the gift card being purchased may have no funds available. 

They know whats going on and the consumer should be protected from Companies like this one. They shouldnt operate unless they guarantee that if you buy a gift card for X amount of money, the money will be available. 

The Company name is apparently XXXX XXXX XXXX and they are located in XXXX, NV. Non of that info is available on the card, and they are probably aiming to certain demographic that doesn't know their rights or will do little to claim the money lost. 

This claim started in 2019. I did give up on it but I was going through some archived paper work today and found a replacement gift card ( obviously with no funds ) and thought it is unfair to me a any consumer to trust a US company with the VISA Logo to later realized youve been fooled. It is unfair to loose your hard end money to a company that shouldn't be in business until they guarantee the funds for the Gift Cards they sale.

Company response to consumer: Closed with monetary relief