vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I'm a XXXX veteran with a XXXX property credit. Instead of Rocket mortgage viewing the tax detail report sent over by XXXX XXXX here in Ohio. They assumed I didn't have a property tax, even doe they got the escrow taxes correct last year, they assumed I didn't have a property tax this year, so they weren't putting it to the side. Now from their error i have a shortage, which increase my payments by {$870.00} per month. I can't afford this new payment. I've never missed a payment, now an error on rocket mortgage will have me to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I reported the unauthorized charges all of them, I did not at any point of my first calls or any other calls I let out any charges to report as fraud as they are saying now, every call that I made chase fraud agents change subjects and history of the " investigation '' and provided weak detailed information about the transactions and the suppose investigation, including the transaction reference numbers and the corresponding amounts. Despite raising this issue and requesting an investigation, I have not received any communication or updates regarding the progress of the investigation, or any steps taken to rectify the situation. all that I received are automatic emails, I send every evidence requested by them when I CALL not when they called, and I do not receive any UPDATE, when I decide to call again their response are NOW : you never send anything, we do not receive any support documentations, we know who send you an email we can't proceed process the request, please send all documents again to this email now, please resend all emails that you received from us, this answer is very clear their lack of knowledge and investigation they are not doing. 

I emphasize that these fraudulent charges not only compromise the security of my account but also erode the trust I have in CHASE 's ability to address such matters promptly and effectively. As a loyal customer of CHASE, I expect a swift and thorough investigation into these unauthorized transactions. 
I kindly request the following actions to be taken immediately : Providing me with regular or daily updates on the progress and findings. 
Temporarily freeze the affected funds to prevent further unauthorized transactions while the investigation is ongoing. 
Provide me with a clear timeline for the resolution of this matter, outlining the steps that will be taken to reverse the fraudulent charges and restore the security of my account. 
I urge to treat this matter with the utmost urgency and prioritize the investigation process to restore my confidence in the security of my account. Failure to address this issue promptly will not only have financial implications for me but will also reflect poorly on the bank 's commitment to its customers. 

I request an acknowledgement of this claim immediately, along with a commitment to the investigation and provide regular updates on its progress for any further communication or clarification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
On Thursday XX/XX/XXXX, I called Nelnet to end my XXXX forbearance early and to converge all my loan payments to XX/XX/XXXX as the first payment and subsequently every XXXX of the month. The agent I spoke to with the last name XXXX said I was approved for the SAVE plan and my payments should have been around {$820.00} a month and that she was submitting a form to begin my payments on XX/XX/XXXX. 

On Friday XX/XX/XXXX, my account reflected this information as my monthly payment and I set up auto-debit for ease of payment and a reduction in interest by 0.25 %. 

On Saturday XX/XX/XXXX, I received a message from Nelnet saying that I had a payment due on Monday XX/XX/XXXX for {$2700.00}. This was neither the right date or amount of money that was agreed upon. I had no way of contacting Nelnet because they do not provide weekend hours of assistance. 

On Sunday XX/XX/XXXX, I cancelled my auto-debit on my Nelnet account but knew they have a 3 day cancel policy so I was going to have to call and speak to somebody. 

On Monday XX/XX/XXXX, I called Nelnet at XXXX XXXX to cancel this auto-debit. They said that since it was not less than 3 days, there was nothing they could do and I needed to contact my bank. Agent XXXX XXXX said he would try to contact the processing center and also start to file a complaint for me but there was no guarantee that the money was not going to be auto-debited. 

Nelnet should not be trusted to do auto-debits since I agreed upon the SAVE amount and they charged me more than double that amount and they trapped me by only giving me 2 days notice on the weekend which is predatory and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Dear Sir or Madam, This is second time submitting this complaint ; first time was in XX/XX/2023 ( see the attached ). 

I was having financial difficulties in making the monthly payments at then my house XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). So I had contacted Wells Fargo for the loan modification, and they asked me to write a hardship letter ( see attached documents ). I had contacted them multiple times and finally they granted me the loan modification over the phone. They instructed me to make bigger payments during the next 3 or 4 months which I did. After the extra payments were made they did not modify the loan. After repeated calling and speaking with them, they stalled and said the paper work will be going out for the modification. But they never did. 

I ended up making extra payments because of what they promised to be the loan modification ; I was led to believe I have the loan modification and made me make extra payments. 

After that my house ended up put for for short sale ( see attached ) and I lost all of my equity in the house of over XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I received the following email from Wells Fargo on Saturday XX/XX/XXXX at XXXX XXXX. AFTER I had deposited a check for {$370.00} at XXXX XXXX  in person at a branch close to my home. I transferred {$330.00} of this money to a family member using WF XXXX and the transaction was approved at XXXX XXXX. At XXXX XXXX ( same day XXXX XXXX ) I received the following email from Wells Fargo. " Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently reviewed your account relationship and, as a result of this review, we will be closing your above-referenced accounts because we believe that the account has been compromised or impacted by potential identity theft. The accounts are expected to close by XX/XX/XXXX. Please note that the Bank reserves the right to close the accounts sooner if circumstances arise that warrant an earlier closing. 

Withdrawals and payments have been blocked. 
You may no longer access these accounts with your debit card. 
No new transactions will be authorized. However, we must pay certain transactions that are received for processing before your account is closed, even if this creates a negative balance in your account. 


... 


Sincerely, Fraud Prevention Contact Center In the phone conversation this morning XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX with the Wells Fargo Fraud department they stated that there were log ins from XXXX ( I travel to XXXX where my XXXX XXXX XXXX father lives and help with his bills using XXXX, I have used the app on his phone and they said this not allowed but they authorized that phone ( via my US phone before I ever used the app on that phone. 
My note : Wells Fargo clearly wrote off a previous incident as a scam and NOT identity theft. I reported to WF a month ago, that I was the victim of a scam due to an identity theft XXXX XXXX XXXX of a relative, and reported this to the FBI, to cfbp to the NM State Attorney. They are not returning my money until XX/XX/XXXX and say that my account is not closed but " on hold '' although I have no access to it. So to me it is closed and WF is getting interest off my money and getting back at me for reporting them.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-28 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: NY

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. 

XXXX Card : XXXX, XXXX Card : XXXX, XXXX Card : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX XXXXXXXX XXXX : XXXX Has 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 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 other adverse item 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 non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I am writing this dispute letter on my own behalf. Please be aware that I have recently studied US laws, and I am fully cognizant of my rights. I am well-versed in the provisions of the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ), which grants me the right to safeguard my privacy and medical records from third parties. It is important to emphasize that I do not consent to any third-party collection agency accessing my personal financial information. While I understand that HIPAA allows for some limited information disclosure, it is crucial to note that any specific details can only be revealed with the patient 's explicit authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In process of cancelling/closing fraudulent account that appeared on my credit report with XXXX/XXXX. I never opened this account. Noticed this after my credit score dropped. They have an address of XXXX XXXX XXXX XXXX, MN XXXX from XXXX  fraud account that I have never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my Trust Wallet account to a fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Reported false information to XXXX and XXXX XXXX 

Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( XXXX ), AND VERIFIED ACCURATE BY FI ; Reported Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported XXXX : XXXX License : State : Date of Closure : XXXX # : XXXX / XXXX Status : NO MONETARY LOSSClosure Status Date : XX/XX/2023 Dispute Case ID : XXXX Bank Name : Bank of America Reference # : 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 2023-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
I scheduled a one-time transfer from my checking account with another bank to my Alliant savings account via the Alliant app . The app processed this transaction three times, which I didn't realized until Monday morning when the deposits posted, leaving me with negative {$1200.00} in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I got scammed out of {$320.00} through cashapp they didn't do anything about it and cashapp double charged me from a Payment made back in XX/XX/2023 for {$170.00} almost 2 months later they charged me again for the {$170.00} again the first purchase was cleared but I end up getting XXXX to refund me because the order got delivered to the wrong address cashapp closed my account after filling a claim against them 4 months ago never heard from them or the attorneys the screenshot with multiple transactions is how I found out that cashapp took another {$170.00} I went from {$620.00} to {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I wrote a very detailed letter to request all inaccurate information listed on my credit reports to be updated and permanently removed. Upon deletion, I requested a letter after the information has been updated and/or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
I contacted Guaranteed rate on XX/XX/XXXX to get the property taxes taken off my mortgage because I have a 15 year tax abatement. Im being charged XXXX extra dollars a month. I was told after a year the account would be audited and the extra money would be taken off and all the money would be returned to me. The mortgage had been sold to XXXX XXXX and they are telling me they have no paperwork stating that I have a 15 year tax abatement. I then called Guaranteed Rate back and they are saying since the mortgage has been sold they can not help me. Paying a extra XXXX $ a month is putting a financial burden on me.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief