vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX initiated XXXX ach transactions that werent authorized by me for over {$8500.00} in mortgage payments. Mr. Cooper has not communicated with me or any of its customers, and thousands mortgage customers have been affected. Im trying to work with my bank, XXXX to reverse the charges. They too have no idea what happened and no security checks were in place by chase to stop this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had made few calls to Kohls card to understand and remove the interest in protection balance but not very success as representatives are not able to fully answer my inquiries while Kohls charges XXXX interest on a monthly basis. First there is interest on purchases and interest in protection balance. Recently I looked at the card agreement and there is nothing stating an interest in protection balance ( XXXX XXXX XXXX  ) I am more than happy to share my statements and Kohls credit card activity which I havent made recent purchase since last year but I still get charged both interest on purchase and interest protection balance. I will greatly appreciate support and help for someone to look at Kohls legit interest charges. 

Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2021, I used my card for XXXX in the amount of {$16.00} at XXXX XXXX XXXX. My unemployment benefits were loaded on XX/XX/2021 in the amount of {$480.00} at XXXX XXXX XXXX. I tried to use my US BANK Reliacard again that same day, XX/XX/2021, to try and take out money from an atm. My transaction had been denied XXXX. I then called US BANK reliacard to check the issues with and status of my account. The representative told me that my account was locked for fraud and told me that I needed to upload a photo ID, and XXXX. I then proceeded to provide the documentation. I called back and had a XXXX minute conversation with the supervisor at the time. She informed me that on order for them to verify my identity, I needed more identification. I had to fight with her to get the other types of identification I could use. She failed to mention in that XXXX minute conversation that I could use my temporary state ID, birth certificate, and the selfie. I called back on XX/XX/2021. They said they couldnt verify my identity yet again. That I didnt have enough information and that I needed to now submit a photo of my social security card, my birth certificate, a XXXX, and my temporary state ID. I went to the website provided, I uploaded the XXXX required documents as well as a photo of my reliacard as proof of ownership. I waited until XX/XX/2021 to call them, again, to check on the status of my case. They proceeded to give me another run around and tell me that my photo ID had been cut off in the photo, which it hadnt, and that I need to resubmit every single document for the fourth time and that it would be another XXXX business days. This has happened to a couple of people that I know. They also didnt stick to the same explanation as to why my account/card is locked. Another XXXX of the representatives told me that this was routine and not fraud.

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 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
I sent my XXXX currency from XXXX to Binance us but it was the wrong token I sent XXXX token to Binance us and I wrote them about it they said the would charge me a fee for returning it back to XXXX XXXX but its been XXXX  days now and they ignoring me ticket number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: GA

Complaint narrative:
I received a copy of my credit report and noticed fraudulent activities and this is stopping me from obtaining credit.

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 2021-04-24 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX DBA XXXX XXXX initiated 4 ach transactions that werent authorized by me for over {$8500.00} in mortgage payments. Chase Bank allowed these consecutive ach transactions and has not communicated with me or any of its customers, and thousands Chase Bank customers have been affected. Im trying to work with my bank, Chase to reverse the charges. They too have no idea what happened and no security checks were in place by chase to stop this from happening. Chase essentially is saying too bad so sad, we have no clue what happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/XXXX I Had Seen An Ad while Playing a Game on My XXXX. I Clicked on Ad For XXXX  XXXX XXXXath XXXX I Ordered One XXXX XXXX. Their Sight Was Difficult To Get Through to End Page. I Got To The Total Page I Needed To See How Much I Was Charged with Shipping & Handling. It Came To {$96.00}! So I Didn't Hit Submit Button, I Backtracked to First Page & Tried Again. This Time I Was Charged {$11.00}. I Hit Submit. It Was XXXX XXXX. I Fixed TV Dinner & After I Ate I Checked My Online First Horizon Tennessee Bank Account. XXXX XXXX XXXX Me {$53.00}, {$29.00} Plus The {$11.00}. I Tried to Call XXXX  XXXX Line Was Busy. So I Emailed Them. I Then Went To My XXXX Bank XXXX Filled Out a Fraudulent Charges Transactions. XXXX  Morning XX/XX/XXXX I Hadn't Received a Automated Response From My Bank, So I Called & Found That My Bank Hadn't Received My Form, That I Should Refile. I Did That Monday. A Week Went By And I Still Hadn't Received My Money Back From XXXX  XXXX. I Called Bank They Stated They Had Dumped It ...? That They Waiting On Me? I Never Received A Message From Bank! So I Asked Should I Refile Form Again? Yes. I Refiled 3rd Form. And Checking Everyday For The Remaining Days of XXXX. On XX/XX/XXXX I Hadn't Received Any of My Money Back. 
I Called Bank Again Asked Why My Fraudulent Charges Are Still Not Back into My Account? Bank Associate Stated They Were Still Investigating Fraud. XX/XX/XXXX I Checked My Account Again. XXXX XXXX Had Charged Me Again! {$23.00}? I Filed Yet Another Fraudulent Charge. XX/XX/XXXX I Was Asked To Give My Bank More Information. I was Very Upset I Told Them To Forget About The Whole Situation I Was Tired Of Waiting & Being Made Out To Be A Liar. & I Gave Them What They Wanted. XX/XX/XXXX, I Ordered Fast Food & My XXXX XXXX Card Wouldn't Take? I Called My Bank & Found Out Bank Had BLOCKED My Card? They Didn't Ask or Tell Me. I Asked Male Associate If He Could Over Night Me a New XXXX XXXX Card? He Said No I Could Come To Bank & Pick Up New XXXX XXXX XXXX. I Explained I Do n't Drive & I Was Getting Over An ILLness. That Because of My Health I Was & Still Am Afraid of Catching The XXXX. He Said I Would Get My New XXXX XXXX Card in XXXX to XXXX Business Days. On XX/XX/XXXX I Still Hadn't Received My XXXX XXXX Card, I Called Bank Female Associate Stated Because of Pandemic It Could Take 2 To 3 Weeks To Get My XXXX XXXX Card. But I Could Come To Bank & Pick Up a New XXXX XXXX Card, Your XXXX XXXX  Card Is In The Mail XXXX XXXX. 
It's XX/XX/XXXX And I Hadn't Received My XXXX XXXX Card. Even If I Had Someone To Take Me To My Bank I Would Be Fearful, Because I Have NEVER Been Treated Like This From Any Bank I Have Had Accounts With Over The Past Thirty Years. 
I Have Tried To Email CEO of First Horizon Bank But I Never Received An Answer From XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: NC

Complaint narrative:
I used paypal to pay for a XXXX  sandwich through the XXXX  app in XXXX. Fast forward to XX/XX/XXXX, my XXXX  account was used in a different state to make two unathorized purchases with my XXXX account. I contacted paypal and provide proof that I was in my home state the entire day and have never been to there other state. They still dienied my claim bevause I had a purchase agreement from the one time I bought a XXXX  sandwich in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Previously there was a complaint about our property taxes not being paid on time and because the mortgage company did not pay them in a timely manner we had several late fees and processing fees that were due. Property taxes were due no later than XX/XX/2020 however this company did not pay them resulting in my husband and I having to pay them out of our own bank account. If we did not pay them, we were told our house was being placed in the newspaper for an open auction. We paid the property taxes due, late fees as well as a processing fee. The end of XXXX is when we ended up paying our taxes, 3 months late, late because the mortgage company did not pay. My husband and I have been in contact with our mortgage company for months now trying to receive a refund for the amount of money we had to pay for our property taxes as well as the late fees and processing fee. We are constantly getting the run around and have not yet received our refund. First we were told we would be reimbursed what we paid, then we were told we needed to do an escrow analysis, which was supposed to resolve the issue. The escrow analysis received was no where near what we paid in taxes and fees.We were later told the escrow analysis was for money that was in surplus and had nothing to do with the money we were supposed to be reimbursed. After calling again and again we were told that a check was being sent out for {$1100.00} in 10 business days. Its been 10 business days and nothing has been received. All we have had is one issue after another with this company and no resolution.

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 2021-04-24 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Twice Synchrony Bank has made a mistake of a " duplicate '' payment and sending me refund checks. Even after I requested that the " duplicate '' payment or refund check be voided, I was sent another check. These continual " mistakes '' has resulted in a balance that I am asking to be credited.

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 2021-04-24 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: GA

Complaint narrative:
XXXX is reporting that I had an account with them and i have never had an account with them. I have had the same number for years and have been with XXXX for years.

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 2021-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr Cooper made 7 unauthorized charges to my bank account. My account is overdraft by thousands of dollars by this irresponsible company. I still dont have any answers from them. A representative from Mr Cooper hang up on me when I was demanding a answer. Because of Mr Cooper my bank account is below XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: CO

Complaint narrative:
One the week of XX/XX/2021 I made two payments of {$130.00}. and {$360.00}. The following day on XX/XX/XXXX, Discover shut off access to my card. I was never notified of this action. I only found out when I attempted to log in to my account on XX/XX/XXXX and I was not able to log in and was instructed to call customer service. The customer service agent informed me that I had to submit some paperwork from the Social Security Administration to verify my identity and that the paperwork would be processed in a few days. I received an email stating that my card was ready to use on XX/XX/XXXX. That day I attempted to use my card and it was declined. On XX/XX/XXXX I called Discover and was informed the my payments from the week of XX/XX/XXXX have not processed. Even though the money is no longer in my checking account. The agent then informed my that there is nothing they can do. So I requested that my account be closed. The agent said I would get a letter in the mail and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My name XXXX XXXX. I had an item i wanted to buy from XXXX XXXX, XXXX XX/XX/2021, Amount {$3800.00}. So i was advice by the store associate to apply for their store credit card that carries 0 % APR for 18 months, since i have an " Excellent '' credit score with a FICO score of XXXX & above depending on the credit bureau. XXXX credit card is operate by " Synchrony Bank ''. I was hoping there won't be any problem since i have an excellent credit with a FICO score XXXX & above depending on the credit bureau, so i applied. After my application, Synchrony bank run my credit history but there was no issue as well & i was instructed by the bank to send my ID & take a picture of myself and submit it to the link that the bank sent to me to verified my identity. Immediately after i submit my ID & take a picture of myself they saw my picture & realized the applicant was an XXXX, then they started coming up with all kinds of issues just to denied the applications because in their widest dreams they could not believe at a time like this a XXXX man can have such a great credit history. This is unbelievable & unacceptable that having a good credit history is not good enough to get a store credit card for an amount a low as {$4000.00} even though it's clear through my credit history i am above & beyond qualified. They were unable to provide a cogent reason for the denial because i ask them for the reason, THEY ONLY JUST GAVE ME A GENERIC RESPONSE. I HAVE A GOOD JOB, GOOD INCOME & FICO score of XXXX & ABOVE depending on the bureau, i've been on the job for more than XXXX. WHAT A HELL IS THE REASON FOR THE DENIAL I want to make this compliant here as " Synchrony bank '' has racially profile me & i felt been discriminating against cuz this is an act of discrimination even though i met above & beyond all the qualifications for this credit card, they could not provide me with a cogent reason for the denial. Synchrony bank need to be exposed because i'm sure they have done this to some other applicant of XXXX. THIS CAN NOT CONTINUE!! This is perhaps the most humiliating i've felt in a long time.

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 2021-04-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted the credit bureaus on several occasions and I have yet to receive a response on these items in question that I submitted for investigation. Can you please assist me here. As a consumer I have the right to submit disputes and they are supposed to by law investigate them within 30 to 45 days and it has been 5 months top with absolutely nothing at all from any of them. Please help me. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-24 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: FL

Complaint narrative:
I received copy of my credit report and noticed fraudulent accounts. this is stopping my from obtaining credit.

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 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I send in my payment to the address ( XXXX XXXX  XXXX XXXX OH XXXX ) per the company and it is not applied until they are able to charge additional fees and charges. This company has charged more than {$500.00} in additional charges. You can not setup to have it done on line without agreeing to giving your information to third parties. Attached is last months payment that was mailed on XX/XX/2021. It is still not on the new statement of XX/XX/2021. For new charges. For any additional information please contact in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have filed with XXXX, XXXX, Experian, XXXX  XXXX, XXXX XXXX, and more! I can't even get a credit report right now because it says I'm entering the wrong information! The one I can get from Experian tells me a have a card with XXXX XXXX, a mortgage, a car loan. I've been telling you guys for years I applied for a XXXX account and have been told by XXXX gov and XXXX that my account number XXXX is a account with them but it's not under my name or social! Credit report after credit report has been requested in XXXX XXXX! I was locked up at XXXX. XXXX XXXX XXXX at XXXX Honor XXXX XXXX, XXXX, XXXX since XXXX XXXX and was originally incarcerated XX/XX/XXXX and didn't get out till XX/XX/XXXX! How did I order credit report after credit report? How did I open account after account? How did I take out a loan? Someone is definitely using my accounts fraudulently! Please help! Every credit report is incorrect and has been since XXXX at least! What do I have to do?

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 2021-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a car from a dealership that was a lemon. I returned the car made all the payments and Capital One still reported my payments late when in fact that is an error. I called them to clear this up and they said in there system this wasn't late. However on my credit it still is showing up that i was late. the Car is paid off and I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/21 Seven identical transactions from my mortgage company XXXX/XXXX. XXXX of the amount {$700.00} were withdrawn from my account resulting in a negative balance of {$1400.00}. This is my primary and only checking account. I currently have XXXX cash readily available for me to take care of daily needs. I contacted Chase Bank at XXXX but was told the Claims department was closed and for me to contact my mortgage company. I contacted my mortgage company at once they opened and was advised that they were aware and that Chase made the request to numerous customers accounts. Hours later still in the negative with no communication from Chase or XXXX XXXX.

Company response to consumer: Closed with explanation