vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
I became aware on XXXX that the XXXX half of my property taxes which were due on XXXX had not been paid. My taxes and insurance are paid from my escrow, by United Wholesale Mortgage. I called UWM and spoke with a representative on XXXX. I explained that I am in the process of obtaining a Home Equity Line of Credit and was informed by the HELOC lender of the tax issue. This is the only obstacle preventing me from receiving my loan. The lady I spoke with had put me on hold while she went to find out information about my call. When she got back to me, I was told that they had made a mistake and this issue was an oversight. I was told the issue would be resolved in the next XXXX to XXXX hours. I asked for a call, email or any type of confirmation that this issue would be resolve. I was told she put in the notes that I was to receive a call on XXXX. I had not heard anything from UWM today, XXXX and I had called them at XXXX pm XXXX. After explaining the issue with the representative, I was informed that they can take XXXX to 14 days to answer my questions and actually could take up to 60 days. This matter should have been delt with when the taxes were due. The negligence of UWM can cause me to lose the window of the construction upgrades I had planned for. This can be resolved by me paying the tax bill. Although its an option, they should have paid the bill when it was due! I pay my mortgage on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: VW Credit
State: CA

Complaint narrative:
I totaled my previous car on XX/XX/2020. XXXX insurance issued a check for XXXX and my damages were only XXXX. Whoever my salesman was when I getting into my new lease ASSURED me I wouldnt have anymore debt especially since insurance paid for more. That was how I was able to get a low rate/low down payment was because of assurance that insurance would cover damages and lower everything for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX fraudulent charges were posted to my Chase Account from XXXX on XX/XX/22 in the amounts of {$320.00} and {$100.00}. I called XXXX immediately when I found out my account had been compromised and the representative, I spoke with helped me gain access to my account. Emails from XXXX state my account was accessed via GPS in XXXX, CA while I was away travelling to the XXXX XXXX. XXXX submitted a dispute with the seller that same day. XXXX told me on XX/XX/22 not to contact my bank. On XX/XX/22 I contacted XXXX again as I was getting shipping notifications for the fraudulent charges. They told me Not to worry but that I would need to contact my bank about the charges for refund. I contacted Chase on XX/XX/22 to dispute the charges. I told the representative that I had an email from XXXX with my incident number, but the chase representative stated they did not need it. 
On XX/XX/22 I contacted Chase claims department as the charges had been placed back on my account. I was told my claim was closed and considered unfavorable and the charges we mine. These charges are fraudulent. I have attached supporting documentation. I contacted XXXX XX/XX/22 and the representative stated that their dispute was closed as the sellers the items were purchased from do not exist. I contacted XXXX about the tracking numbers XXXX provided : XXXX & XXXX and XXXX can not tell me the name and address the package was delivered to but states my name and address does not match the shipping label. XXXX can confirm the items were delivered to XXXX, CA XXXX. I did not receive any packages at my address on XX/XX/22 at the times stated delivered. XXXX states that the moment a claim is opened with the bank, they no longer have the option to offer a refund. XXXX fully admits the charges are fraud, but are unable to provide any sort of resolution on their end. 
As of XX/XX/22, Chase XXXX XXXX have both closed the claim stating each other part is responsible for refunding me for the fraudulent charges, even though both companies state the charges do not belong to me. XXXX has admitted there was an internal error that sided with the seller and allowed the packages to still ship and ultimately causing the claim to be denied by Chase. Chase misled me by allowing me to submit supporting documentation to " re-open '' my claim, only to immediately deny it stating they do not re-open fraud claims. Chase states by law they are only allowed one recovery attempt on a claim, and all efforts have been exhausted due to the internal error by XXXX and can no longer assist me. 

A police report was opened XX/XX/22 per Chase 's last response of " It might help and we can see what we can do '' with no promise of reopening my case. Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Violation of my Rights. 

The rights that were violated are listed below : 15 u.s.c 1681 section 602 A. states I have a right to privacy 15 u.s.c 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code Subchapter V Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information, not communicate by post card, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Violation of my Rights. 

The rights that were violated are listed below : 15 u.s.c 1681 section 602 A. states I have a right to privacy 15 u.s.c 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code Subchapter V Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information, not communicate by post card, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
This company ran my credit without my permission I received a phone call and this company was asking if I wanted a second mortgage and I asked how did they know my personal information this man lied and ran my credit without my permission I called the company and complained and nothing was done

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 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The problem Having with Equifax is reporting a XXXX  XXXX XXXX Account : XXXX This Account Has exceeded the Statue of limitations allowed. 



By LAW this account must be Deleted off my credit report. It Must be Deleted today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
To the CFPB I lost my income in 2018 since then I never regain any employment at all. in that situation, I could not afford to pay all my credit card bills we only rely on my husband 's XXXX payment. that's why I decided to enroll in the debt settlement program the problem is, I was scammed by the agency and did not settle all the debt. one credit card was left behind never settle at all. and the problem I don't have money to pay them, this is the only money left in the Bank. my savings account is {$0.00}, my checking is only {$24.00} the most painful and stressor is the collection agency that added up to our problem is XXXX XXXX XXXX XXXX and Synchrony Bank. that's why I want to file a complaint against Synchrony bank and XXXX XXXX XXXX XXXX for their joint effort of Harassment and continued collection and illegal activity. synchrony bank and portfolio recovery keep sending collection letter and some with harassment to file a lawsuit and adding to our stress and anxiety and even phone calls I will be exposing their phone numbers they are using to call our cell phone every time they call I saved the numbers to our phone that's why I have it and its verified by me by calling them back I will be attaching all the collection letter that they sent me and also here are some telephone numbers they used to call our phone # XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX all this number called my cell phone and the CFPB can verify its accuracy. Please kindly solve this matter 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 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Beginning XX/XX/XXXX and have had numbers of credit cards, loans and accounts opened in my name without my authorization, knowledge or consent. My 3 emails, social media and phone were compromised. 
The actions I have taken are as follows : XX/XX/XXXX Filed Police Report # XXXX for Fraud XX/XX/XXXX Filed Police Report # XXXX for Identity Theft XX/XX/XXXX started to contact merchants that I am aware of identity theft against me XX/XX/XXXX - contacted my banks and closed all my checking accounts and credit and debit cards XX/XX/XXXX - Opened an account & filed a report to FTC XXXX Federal Trade Commission ) at Identitytheft.gov XX/XX/XXXX Contacted Credit Bureaus ( XXXX, XXXX, XXXX ) to put Fraud Alert/freeze on all my credit/identity XX/XX/XXXX Filed an Identity Theft Report at Office of the Inspector General at secure.ssa.gov XX/XX/XXXX Suspended my compromised cell phone One of those credit cards is a card with Upgrade , Inc . I was notified of this card fraudulently being opened by a welcome letter in the mail XX/XX/XXXX. This card was opened with a credit limit of {$10000.00} that was already maxed out before I received the card. I have reached out immediately and informed them of fraud. My response was that someone would get back to me, which I never received a response from anyone. I have reached out on 3 separate occasions. I have never activated nor used this card to my benefit directly or indirectly in any way, or have made any purchases on this card. I sent an email out on XX/XX/XXXX in another attempt to resolve this. My response to this email was a request for more information and documents which I complied with. I have submitted all documents that have requested from me, and all possible documents to prove my claim. My response from Upgrade , Inc. was returned with a request for even more documentation. I have provided the requested documentation and have not heard from them. I did not hear back so, I have sent a follow up on XX/XX/XXXX with an email. I have also followed up with dispute letter from the FTC Identitytheft.gov. On XX/XX/XXXX, I have finally received a response refuting my claim that this transaction is indeed fraud. 

However unfair this has been to me, I may be forced to seek legal action, of this if it continues, at your organization 's expense if this persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
n accordance with Fair Credit Reporting act XXXX The 8 accounts listed below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: DE

Complaint narrative:
XXXX XXXX XX/XX/2022 CREDIT REPORT INQUIRE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
XXXX XXXX XX/XX/2022 CREDIT REPORT INQUIRE NOT MINE

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 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank Lowe 's Credit Card Promotional Purchases The Lowe's/Synchrony  Bank has a random order process for allocating payments to multiple interest-free promotions. Payments may be applied differently from the order of expiring promotion dates such that both Regular Purchases and/or ending promotions may not be paid ahead of later promotions based on unstated rules. In order to insure that payments are processed such that each promotion gets a portion of the payment based on the remaining months left before reaching the expiration divided into the total purchase price outstanding, they use other unspecified criteria that could cause a customer to be charged late fees and interest payments. In speaking with the Customer Service and the Client Affairs Specialist, controlled allocation mathematically can't be done with the " system '' that they use, which should be a Data Processing Computer programmed for Retail Commerce. In order to allocate funds to each outstanding promotional balance, after making the payment, the customer has to contact a Client Affairs Specialist with specific allocations by promotion. This is an absurd way for any bank to operate because it steals time away from customers to do trivial work best done by computer.

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 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This complaint is regarding an issue with a set of transactions I had while banking with Wells Fargo. To preface this, I have been banking with Wells Fargo since XXXX however this is the last straw and I will be taking my business elsewhere. I filed a claim with Wells Fargo regarding a set of three XXXX transactions for merchandise in XX/XX/XXXX. There were 3 total charges with a grand total of {$990.00}. The issue with these transactions were that the merchandise I paid for, in this case shoes, were not received as described as they were fake and essentially had no value. This was in direct contrast to what the merchant advertised as they were clearly stated to be authentic. After making all of this information clear, providing proof, and filing the claim, Wells Fargo still would not side with me on this dispute for any reason. Fast forward to now and Wells Fargo has broken their own rules by very sneakily refunded certain Wells Fargo customers for so called " fraudulent transactions '' even though their policies clearly state that XXXX transactions can not be reversed or undone for any reason, which is exactly what they told me regarding these XXXXl transactions however they have made exceptions for other customers for claims worth way more than mine which was less than {$1000.00}. It is ridiculous to me that Wells Fargo would rather lose my business after 11 years than simply do the proper research and cover me for this situation but I will gladly take my money elsewhere now. If anyone has the opportunity to read this, please do yourself a huge favor and bank with literally anyone besides Wells Fargo.

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