vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
In XXXX of XXXX i switched home owners insurance from XXXX to XXXXXXXX XXXX. my mortgage company, Right Path Servicing, continued to pay both insurance companies from XX/XX/XXXX till XXXX of XXXX. In doing so my escrow went into the negatives. when we realized something was off with our escrow we contacted Right Path Servicing. They told us that the previous mortgage company messed up on our tax totals and we owe them more money. so we had to get permission to pay an extra {$160.00} a month for 2 years to fix the escrow shortage. we started paying that in XX/XX/XXXX. In XXXX of XXXX we get a letter from state farm stating we would be cancelled for non payment. When i reached out to Right Path, they told me they had paid XXXX. I informed them that we did not have XXXX since XXXX. We discovered that XXXX was paid in XX/XX/XXXX {$1900.00}, XX/XX/XXXX {$2300.00}, and XX/XX/XXXX {$2500.00}. And state farm was also paid XX/XX/XXXX, and XX/XX/XXXX. After going back and forth between the escalation department for Right path Servicing ( XXXX ) and the Advocacy Customer resolution dept. ( XXXX ), the senior customer advocacy ( XXXX ) and XXXX, CRS XXXX Corporate Customer Advocacy Department, I still haven't gotten any resolution to this issue. This month looking at my online statement, it is now showing an additional {$380.00} a month to continue to correct the escrow shortage mistakes that the mortgage company made for the last three years. We are still waiting for Right Path Servicing to provide XXXX with a letter stating the mistake they made in order to release the back funds from XXXX to correct the escrow shortages and to get my mortgage back in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Nations Direct Mortgage, LLC
State: IL

Complaint narrative:
I am writing to address a significant concern regarding the recent disbursement of funds from my escrow account. On XX/XX/2023, a payment of {$4300.00} was made to my local county from my mortgage account. However, there is a critical discrepancy that needs immediate attention. A letter was sent to the company on XX/XX/2023, notifying them that I am exempt from property taxes due to my 100 % XXXX veteran status. This exemption should have been recognized, and no taxes should have been withdrawn from our escrow account. My wife and I have made numerous attempts to rectify this situation by contacting their customer service department daily. Regrettably, we have received conflicting information regarding the resolution process. Initially, we were informed that a refund check would be issued within a week. However, we have since been told that we must maintain a balance of {$5500.00} in our escrow account to receive a refund. It is essential to emphasize that withholding funds from our escrow account is both concerning and unlawful. Illinois state laws clearly outline the exemption status for XXXX veterans, which should have been acknowledged and respected by Nations Direct Mortgage. We request immediate attention to this matter. It is of utmost importance that the incorrect disbursement of funds be corrected promptly, any withheld amounts returned to our escrow account, and a check written to us for the amount. We also seek clarification on the conflicting information regarding the escrow balance requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Today in the mail I received an envelope from XXXX inside. The envelope from XXXX wasn't envelope from Chase Bank inside. That envelope was a sapphire reserve Chase credit card with a XXXX credit line. 

I never applied for this card. When I called the number on the back of the card a person was asking me lots of detailed information so I hung up on them thinking maybe the number was fraudulent as well. That's why I'm reaching out to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime : I received multiple emails asking me to verify my address due to a debit card being sent there. The address is like XXXX yrs and XXXX residences old. Then they send an email asking you to set up a direct deposit and link your account, as if you have an active, real account under your authority. You then spend the next few days trying to get ahold of a nonexistent XXXX customer service rep, to find out if its a phishing email, or someone actually stole your identity. You have to say dispute a charge to get a real person, who then tells you they can't help you unless you send your drivers license and SS # to them via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am submitting this complaint against a private student loan servicing company, Nelnet. In XX/XX/XXXX, Nelnet reported on my credit report several loan accounts totaling to {$40000.00} in student loans dated fromXX/XX/XXXX. I have contacted Nelnet via telephone and email several times within the last few months, regarding to request information on the student loans. They have not provided me no information in regards to the debt that has been posted on my credit report. I contacted my XXXX institution, XXXX XX/XX/XXXXand Federal Student Aid directly, they disclosed that they have no information on this debt and I will need to contact the private loan company directly. Nelnet has yet to provide documentation that I had requested back in XX/XX/XXXX via telephone. 

I am submitting this request because I did not apply nor did I take out student loans during my XXXX years in XXXX. Nelnet this requesting payment on student loans almost XXXX years after I graduated in XXXX. I have no record or documentation regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
A little over a month ago I opened an American Express business account. When my first bill arrived I was quick to call them ( early XXXX ) as they were billing me at a time of month that was problematic. I was informed by the representative that my bill would be changed for the next billing cycle, which would have made this bill due in XXXX. However, AmEx delayed this request and instead is attempting to charge a late fee for a late XXXX statement, despite the fact that I was promised I would now be on a cadence to pay in the first week of each month. This manner of business is highly unethical and clearly meant to confuse customers and extort funds as late fees. I demand that this bogus {$40.00} fee be removed from my account immediately. Please note that a simple review of the calls ' transcript will prove that I was informed that the change in billing cadence was made, would be in effect for my next bill, which would be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
I called and spoke with an Aidvantage customer service representative and their supervisor on XX/XX/XXXX. I noticed that my loans did not correctly show " in school status ''. Aidvantage refused to correct it I also spoke with them about the same issue in the fall of XXXX, and it was still not corrected. I was told that I would receive a paper form to be filled out in XXXX hours. I never received the form. I sent a follow up email to Aidvantage about the ongoing problems on XX/XX/XXXX and to the US Department of Education, I have not received and email back from either. I paid to have XXXX update my status to in school and resend it to Aidvantage. Aidvantage updated XXXX of XXXX loans to show " in school ''. On XX/XX/XXXX I attempted to call them, but was told their offices were closed despite it being during normal business hours as listed on their website. I sent another email to them asking it to be fixed, but I am still being charged interest erroneously on the subsidized loans while in school, and now they want me to make payments on them, even though I should not have any payments due until I graduate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under The New Rule REGULATION F Which Took Effect XX/XX/2021 *15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report.

*15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties.

Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

*15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer 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 non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX acct # XXXX, and XXXX XXXX XXXX acct # XXXX. have violated my rights. 

15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer credit reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C-2 states to Block Except as otherwise provided in this section, a consumer reporting agency " shall block '' the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of *I have never given the credit reporting agencies a written notice with my consent with proof of identity, ( they have none of this ) to then report any of these fraudulent accounts on my credit profile. I sent all the necessary documents under FCRA 605B to block these items, yet they still remain. If you have written proof of me opening these accounts with my identity and contracts bearing my signature? prove it! If you have written notice of me stating for y'all to allow such reporting on my credit profile? prove it!

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 2023-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX XXXX  I made purchase for {$130.00} on XXXX XXXX XXXX. I used Affirm, and XXXXXXXX XXXX policy is no refunds if you use Affirm ( only store credit ). I contacted XXXX 4 times via email and 6 times on XXXX XXXX because my item was not shipped after 5 weeks. They sent me 2 emails with vague/non-committal explanations for why it was late, but no shipping date and no store credit, as their policy states. I opened a dispute with Affirm and they held me liable because XXXX ' policy is no refunds through Affirm. Below are websites showing the site is fraudulent. I provided all my attempted correspondence and the fraud/complaint websites with Affirm, but they still held me liable for the loan. The loan ID is XXXX. Why is Affirm in business with fraudulent websites that steal people 's money and then offer no form of protection? Affirm is acting just as shady as the fraudulent merchant because they are protecting them by citing this ridiculous refund policy. Other websites provide refunds no matter what payment method you use. I have received refunds via Affirm in the past. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute resolution statement from Affirm : Hello XXXX, " This is XXXX from the Affirm Resolutions Team following up on your disputed XXXX, XXXX purchase ( loan ID : XXXX ) that was processed for {$130.00} on XX/XX/. I understand how frustrating it can be when purchases do not go as planned. I do have an update to provide you with on your disputed loan. 

I am writing to let you know that we have closed this dispute in favor of XXXX, XXXX ; you should have just received an automated message indicating the same. I know this is not the resolution you were looking for and want to provide more context. We have made this decision after reviewing the evidence provided and according to their policies, if you decide to use Affirm for monthly payments you will not qualify for a refund. 

We did not receive evidence indicating XXXX, XXXX was working outside of their policy. 

We understand that this may be frustrating news, and apologize for any inconvenience that this has caused. Affirm simply manages the financing of your purchase and to that end, this dispute process ultimately rides on the nature of the merchants policy. As the merchant is operating within their policy, we are unable to resolve this dispute in your favor. "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit and saw a lot of in-corrections that are 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 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/XXXX my phone was stolen, and 4 fraudulent transactions were done through my Paypal account. These were non authorized and fraud transactions that I never initiated. The funds were taken out of my linked XXXX XXXX account, the transactions totalled over {$6000.00}. I called both my bank and Paypal to report these transactions as unauthorized and fraudulent. My bank recognized these transactions as fraudulent reversed the pending transactions, but Paypal on the other hand is saying that those transactions were authorized ( even though I never did them myself and my phone was stolen ) now I have a negative balance of {$4500.00}, and Paypal is stating that I must pay back this amount. I even submitted a police report about the incidents that occurred during my travel in XXXX, XXXX XXXX. I have appealed this case 3 times and they never solve this situation. 
I just don't understand how 4 different big transactions went through, when I have never sent money to that person before nor I've ever transferred those amounts of money. I didn't even have enough money on my bank account and these transactions put it in an overdraft state. 
These are my lifetime savings and I can't afford to pay this back nor I should be required to, because these are fraudulent transactions. I need to report this bad business practice. It's just not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, Chime/XXXX  sent me an email stating that my accounts were not in compliance with their user agreement and subsequently closed them and told me my balance was not eligible for a refund. They did not specify what account activity was out of compliance with their user agreement. They asked me to send verification of recent activity on my account, among other identifying documents, which I sent to clarify to them a recent deposit that was made, which came from the XXXX Treasury by way of a XXXX tax refund check. My tax return clearly reflects the amount expected from the refund, as well as the account activity showing the deposit coming from the XXXX XXXX XXXX I sent them over various personal and private financial documents, only for them to tell me the information I provided was not sufficient to account for the activity nor retrieve the balance on my accounts. They requested XXXX and XXXX tax returns, a photo of me holding my own identification card, proof of current addres, a paystub from the job located in the state I worked in for which I filed taxes, as well as any other information that would " help my case ''. After receiving generic responses via email, I called and was told that the email instructions were incorrect, and that I should be in fact sending my verification documents to " XXXX '', which I did, and in which all the emails bounce back to me undelivered. After two days of this, I have just gotten off the phone with a customer service representative of theirs, who tells me he has no further information to help me with regarding this perplexing matter. All these emails were sent between my personal email account XXXX, Chime 's customer service email accounts XXXX and XXXX, as well as XXXX.

Company response to consumer: Closed with explanation