vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I received bills XX/XX/XXXX from Pay Pal Credit, I called and told them I do not have a credit with your company and they said they would send me paperwork to refute this billing/acct.so as not to have a collection on my credit record I paid the {$870.00} with assurance from Pay Pal that it would be refunded when all the mess was straightened out and the acct was closed and no further cash advances could be done and I waited for the paperwork from them. Then on XXXX XXXX I received a bill from a collection agency for another {$600.00} owed to Pay Pal credit. I once again called Pay Pal and they said sorry and they would send the paperwork. I paid the {$600.00} on XX/XX/XXXX. Pay Pal has not looked into this fraud and done nothing to resolve this issue except to send it to collection. I want my money back and Pay pal to find out who used my info to open this acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.
State: NC

Complaint narrative:
" Debt was paid '' was the most closely related option ; however, I did not pay the debt because the debt was/is not owed. The purported balance owed of {$1400.00} stems from a XXXX account bundled service plan that was never installed properly and never functional. I submitted my complaints and service issues directly to the XXXX XXXX supervisor, XXXX XXXX, who should have XXXX the account balance or directed Customer Service to do so based on the breach of contract on the part of XXXX XXXX XXXX. I have heard absolutely nothing else from XXXX or the collection agency who contacted me under XXXX weeks from the final cancellation and resolve of my account. Recently, XXXX notified me that XXXX had sold this account to said Stellar Recovery Inc which appears on my credit report ... but the initial collection agency to which XXXX sold this account was said XXXX XXXX XXXX ... Today I dropped by the XXXX XXXX XXXX XXXX branch to give them another opportunity to properly resolve this account to a XXXX balance and update these collection agencies to whom they illegally and unethically sold this account, but according to " XXXX XXXX '' - although there are innumerable service issues noted on the account from the beginning until the end and depsite the {$1400.00} being directly associated with installation and service fees, he refused to issue any credits to the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Echelon Financial, Inc.
State: WV

Complaint narrative:
I tried to apply for a loan online. I was redirected to XXXX to get my credit score. 
It was supposed to have been a {$1.00} charge to receive the credit score and NO additional charge if the trial membership was cancelled. 
When I was unable to get my score, I called the SAME DAY ( XXXX XXXX,2015 ) and cancelled my membership. 
A {$1.00} fee was charged to my account, from both Myscore and XXXX on XXXX XXXX. 
HOWEVER, on XXXX XXXX additional fees of {$29.00} from Myscore and {$17.00} from XXXX were charged to my account, even though the membership had been CANCELLED a week earlier. 
Since these additional unexpected charges caused an overdraft on my account, I am also being charged {$36.00} PER DAY for overdraft fees. 
Myscore has agreed to eventually refund the original {$29.00} plus {$1.00} fees but not any of the overdraft charges. 
XXXX is REFUSING to issue any kind of refund. 
PLEASE HELP!!!!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was charged for two months by XXXX that was unauthorized on a USBank secured credit card. I did not authorize XXXX XXXX to charge my credit card after XX/XX/XXXX. I paid cash for XX/XX/XXXX, and ongoing. In XX/XX/XXXX, I was charged for two months ... XX/XX/XXXX and XX/XX/XXXX, even though I was denied access to my storage unit, and the owner forbade me from accessing my property, starting on XXXX, even though his normal policy is that I am not locked out until after the XXXX of each month, and that I may still keep my bill current, as long as I pay by the XXXX of each month. On XX/XX/XXXX, the owner, XXXX XXXX denied me access to my belongings. This is in addition to locking me out on XX/XX/XXXX. When I contacted the credit card company, USBank, they told me that I still had to pay these charges. No. I had already acquired a different storage unit at another facility, starting on XX/XX/XXXX. There was no reason for me to pay for two months for no reason, especially since I did not have access to my property!!! Not only that, but I was homeless, and my blankets were in there, and I froze for most of the month of XXXX! Not only that, but since he charged my credit card for two months, I was unable to purchase a bus ticket to California, to be with my son, and rent XXXX rooms together. My credit is ruined, and I am unable to pay this amount. Not only that, but it is extremely unfair. I had told XXXX XXXX in XX/XX/XXXX, that I was unable to pay for XX/XX/XXXX, and would he help me move my stuff to another storage facility. First, he said he would move my stuff with his free truck, advertised with his business, then he offered his personal car, then he changed his mind and offered a different storage unit, free of charge for two months, then, on XX/XX/XXXX, he changed his mind altogether and stole all my stuff. Then, in XX/XX/XXXX, he charged me for two months, and said if I did n't get my stuff out immediately, that he would charge me for XX/XX/XXXX, as well. This is just crazy. I explained all this several times to US Bank, but they are still charging me, and even though I told them not to apply my deposit held in my account toward this bill, they did anyway. And they call me on average, of XXXX 's a day, including Sundays. I do not owe US Bank, nor XXXX XXXX, nor XXXX XXXX one red cent. It 's absolutely preposterous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank is in violation of the Consumer Financial Protection Bureau 's Consent Order XXXX. As required in paragraph XXXX & XXXX of this order, Chase Bank should have provided me with an effective credit agreement and at minimum copies of the last XXXX ( XXXX ) monthly Account statements. I have never received an effective credit agreement nor the last XXXX monthly Account statements. 
On or about XX/XX/2015, at approximately XXXX XXXX CST, I contacted Chase Bank via telephone in order to request information in regards to these accounts. I spoke with XXXX XXXX with ID # XXXX and requested that information regarding these alleged accounts be sent to me. XXXX XXXX stated that Chase Bank did not have information regarding these alleged accounts. This is a violation of this Consent Order because paragraph XXXX requires that Chase Bank provide a consumer with an effective credit agreement and the last 18 months of monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XXXX, 2016, I signed a contract with a " matchmaking '' service and charged the fee, {$5500.00}, on my XXXX XXXX card. That promised service was not provided, and I contacted XXXX to deny payment to the company and credit my account- I provided detailed information as to what happened and why the payment should be denied. In XX/XX/XXXX, the sale of the XXXX COSTCO credit card business to Citi was completed, and Citi took over the " investigation ''. There 's no evidence that Citi did anything other than accept a ( false ) statement from the merchant at face value and denied my complaint in a letter I received this week. In the letter, they also threatened to damage my credit standing if I did not pay the bill immediately. In fact, the bill about been paid in full, including the disputed charges, a month earlier. I responded with a letter, complaining about their decision. I have also filed a complaint ( pending ) with the Office of the Maryland Attorney General.

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 2016-09-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
on or about XXXX/XXXX/2016 i noticed XXXX charges for items that i did not charge to my Citi Bank credit card. after doing some research the company gosq.com looked like a realestate company but the goods that i supposedly purchased were Phone or audio equipment. I contacted Citi Bank to dispute the charges that i did not make. Citi bank removed these charges pending a investigation and contacted me by secure mail stating the merchant had 60 days to reply. The Merchant sent back a letter stating that my Credit card information was entered manually. i at no time ever made any purchases from any Company or organization named or known by gosq.com. at no time have i entered my information manually into a square card reader. Around XXXX/XXXX/2016 i received a letter in the mail from XXXX and in this letter they stated that their servers containing client payment information had been compromised on XXXX occasions. The letter goes on further to say that this information contained names, addresses, credit/debit card numbers, security numbers and mailing addresses. I faxed this letter to Citi Bank fraud department. Recently the Charges were added back to my Citi Bank Credit card and Citi bank says that the investigation is still going forward. I sent Citi bank back a notarized letter stating that at no time did i authorize these XXXX purchases {$190.00} and {$98.00}. at no time did i give anyone my Credit card to use to make these purchases nor have i ever met or no anyone from a company named or going by XXXX. i asked Citi bank to issue me a new card as my numbers and information had been compromised and i have called several times trying to obtain information as to why these XXXX fraudulent charges have been added back to my billing.

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 2016-06-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Senex Services Corp.
State: NJ

Complaint narrative:
Senex Services insists that I owe {$480.00} for a medical debt. They have refused to provide proof of this debt despite my several requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XXXX XXXX, 2015, XXXX from XXXX contacted us and stated that they had worked out a modification with Freedom Mortgage. However, one of the requirements from Freedom was that we had to deposit 2 months of payments in a trust. XXXX had deposited the money to get the modification approved, but we had to replace it to be distributed to Freedom. Two payments in the amount of XXXX was drafted from our bank account. We were told by Monty that we would receive the modification paperwork by XX/XX/XXXX. But we never received any paperwork for a modification. We have requested a refund from XXXX, which was addressed to client relations. We were told in XX/XX/XXXX that we would get a refund within 45 to 60 days and we still have not received our refund of {$2700.00}. Subsequently, a second request has been sent to client relations, but no response. I am attaching the second request and the XXXX ruling. Thank you for your assistance in this matter. We had our VA representative to contact Freedom and he was informed that they had received a cease and desist from XXXX but nothing else.

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 2016-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Not sure where to begin ... Please look at previous complaints against Wells Fargo and Debt Buyers : CFPB Case Numbers XXXX, XXXX, and XXXX. These complaints were submitted in XXXX of XXXX while in the middle of my court battle with the Debt Buyer. Wells Fargo really did a number scamming me out of my vehicle AND I was a service member. I just hope that in the limelight of the recent scandal and settlement that those that have been affected so much are truly compensated. Not to mention that during all of this I was completely unaware of the fact that when I financed the van through Wells Fargo in XXXX, that they put my interest rate @ 21 % which they should n't have went over 6 %. I was a service member at this time and should not have had to go through what they put me through, or my wife. I finally gave up in court and settled with the Debt Buyer. I feel that Wells Fargo should compensate me for all the money and distress I went through as a result of their negligence. I have XXXX of court paperwork. They need to be aware of how much pain can be caused because debt buyers and big banks decide they are going to use shady tactics against everyone.

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 2015-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I have a mortgage loan with Greentree ( XXXX ). They sent me a letter last year and again this year in regards to cancelling the PMI. The letter says it can be cancelled after the mortgage reaches 75 % of appraised value and further states that appraised value is what was origannlly valued at. 
They say in a letter last year that they want me to pay for an appraisal first. This does not make any sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
Shellpoint Mortgage is missing XXXX payments from XX/XX/XXXX and preventing me from refinancing from 6.25 to 3.33 percent. I have been trying to get them to look at my account since they took over the servicing in XX/XX/XXXX and correct my account as they have been sending me notice of defaults since XX/XX/XXXX. I have proof of when my payments were sent, cashed and applied ( or in this case not applied ) and have sent them letters asking them to correct my account. I am now getting phone calls from Shellpoint asking if I would like to make additional payments to them to get my account current. No one will return my phone calls or respond to my emails or letters asking them to correct my information. I am attaching some of the correspondence so you can see how often I have been trying to get a hold of someone at Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: KY

Complaint narrative:
BB & T has overcharged my account {$290.00} this year. I have attached the transaction summary of my account from the BB & T website. I have indicated on it where they have overcharged my account. During XXXX there is an overdraft on XXXX/XXXX/16 and the account was not overdrawn. On XXXX XXXX charged my account and it was n't supposed to. When I complained to BB & T, they told me first to contact the company to see if they would reverse the charge. I did so and XXXX reversed the charges yet I was still charged an overdraft fee. Had the overdraft fee not been taken out on the XXXX for no reason my account would not have been overdraft on the XXXX for the XXXX mobile payment, which I was again charged an overdraft fee for. I should have accumulated 1 overdraft fee on XXXX for the XXXX purchase. This one incident overcharged my account {$150.00}. 
BB & T also keep charging my account a maintenance fee, even though the customer service rep told me when I signed up for an account, once my direct deposit started, it would NOT be charged a maintenance fee. So do to this debit, I again overdraft on this account. I was not charged an overdraft but do not understand why I am still being charged this fee when I have had direct deposit. 
I was charged a correct overdraft fee on XXXX and then in XXXX, I was charged {$8.00} each day even though my account was only overdraft 1 day not 7 days. So this occurrence overcharged my account {$24.00} During the month of XXXX I was charged {$72.00} for overdraft fees yet again my account was NOT overdrawn. I should have been charged 1 overdraft fee on XXXX for the XXXX debit. On this occurrence I was overcharged {$110.00} On XXXX I was charged an overdraft fee and my account was again NOT overdrawn. I should only have been charged an overdraft fee on XXXX for the speedway debit. On this occurrence I was overcharged {$36.00}. 
So in total I have been overcharged {$290.00} this year in overcharges. 
The response given by the BB & T representative did not address the issue over overcharges to my account. It appears all they did was copy and paste from a manual. 
So in total I have been overcharged {$290.00} this year in overcharges. 
Please address each occurrence separately. Thank You

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 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello two months ago my Credit score was XXXX and Today it is reported as XXXX 0r XXXX. I want to know why? All of my accounts are current and up to date:1. I should have XXXX credit card lines = all up to date and current XXXX with a XXXX Balance Never late2. My name should be spelled correctly ( XXXX XXXX XXXX ) 3. I have a car loan all up to date never late4. Public Record? would need to know what is there5. A personal Loan ( up to date and NEVER Late ) Why is my score so low?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I have been getting repeated calls from the same number. Finally when I answer a man asks me to verify personal information and does n't disclose who he is, who he represents, or what he is calling about. Finally he says its about a debt ( I have no outstanding collections on my credit report ) but wo n't disclose the nature of it until I verify several pieces of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Seterus held 3 months ( XXXX - XXXX of XXXX ) mortgage payments in a suspended account while they processed the " Keep Your Home CA '' funds for the purpose of completing the recast aggreement. This took them 6 months to complete. During this time I received Foreclosure Warnings on a weekly basis and my credit score dropped over XXXX points. They reassured me that when the recast agreement was completed that this would be corrected and the funds held in the suspended account would be applied. The recast agreement had the wrong escrow balance but they threatened me that if I did not sign it as is that they would return the funds. Now my credit report continues to display that I am 30-90 days late on my XXXX and XXXX payments and displays ND for the months XXXX through XXXX XXXX I made my XXXX payment but they applied this to my Principle saying I am not due until XXXX to make the next payment. They have not sent me a statement showing that they applied this payment to my pronciple although I have requested XXXX. I put in a dispute with XXXX and Seterus responded the first time stating that I had foreclosed on the loan. The second response to the next dispute was that I was late on XXXX and XXXX payments and No Data on the following months through XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I called their dispute department and requested they remove all the hard inquires from my credit reports. I have sent letters to each one of these companies and have not received validation from any of the companies. I explained this to the representative that answered and the supervisor I spoke with. I was told that the only way to remove these inquires was to get a letter from the company that did the pull saying they did it and should not have. I told them I contacted each and every one of the companies and they did not respond with in 45 days of the letters being mailed. How am I supposed to have them sign a paper if they are not responding?

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