vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( 2 hours ago ) to me, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXXXXX Hello Customer We notice unauthorized transaction from your XXXX account, If This Transaction Is Not Made by You Then Kindly Call Us for Cancellation of this Order Otherwise, your {$630.00} will be charge today Youre Order Information Description Quantity Unit Price Total Price XXXX XXXX ( XXXX XXXX {$630.00} {$630.00} Total Amount will be charge : {$630.00} Items Ordered : 1 youre Billing Information Your order number : - ( XXXX ) Transaction Id : - ( XXXX ) Thank you for your recent order with us. If you have any questions or want a refund for this order, please call our If you want to cancel this order, give us the Thank You XXXX XXXX XXXX XXXX 

Helpline Number : XXXX ( XXXX ) XXXX ( DO NOT COPY THE NUMBER I do not have an " unauthorized transaction. '' I have not placed an order. This email is similar to others I have been receiving for weeks seeking to fleece someone based on a transaction that does not exist, that the sender has divined. Notice that no company name appears.

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 2022-08-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ Mortgage Dept I could not access my online dashboard to make my usual monthly paymt. I always pay one month in advance because Ally is notoriously bad at making mistakes. On XX/XX/XXXX, I went in to pay my XX/XX/XXXX mortg pmt. I could not access my dashboard and had a message to call in. The service rep said we all rec 'd a mailer that said the website was migrating and we needed to create new profiles ( I rec 'd no such mailer ). When I attempted to create a new profile, it sent a verification text to a phone number not associated to me. The account rep also had another number on file not associated to me. He could not fix my account, I could not access my data, and they had faulty data associated to me. They promised a return call which never came. When I called in the next day, another rep disclosed that the email address I updated to was no longer on file and it reverted to the email owned by the lender Ally bought my mortgage from. Additionally, my DOB was 'wiped ' which was preventing me from accessing the online profile. Finally, the service reps kept asking me to take a pmt over the phone which I was uncomfortable doing. I learned they did not actually work for Ally. When asked directly, they refused to answer they worked for a third party. Their lack of transparency and honesty is a red flag in this operation. In summary, Ally 's abuse and loss or misplacement of data is critical security issue, and they have operators in place not qualified to remediate the issue. My data is currently unsecure and I request your immediate investigation.

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 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I paid off this account with Chase. I overpaid them {$1200.00}. I have called them about the over payment and at first, they could not find my account. Their response was that this account does not exist. Then, they stated that the account is XXXX. I called them less than 30 days after i paid off the accoun ( Overpayment was a mistake on my part ) XXXX Miraculously, they have every other account i have except this account that i over paid to pay off.

I have asked for a refund numerous times and they have asked me numerous times to fax them a letter and they will process a refund in 6-8 weeks. It has been months and i am not getting anywhere with Chase. They are pretty much ignoring me at this point.

I can use your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The accounts listed on my credit report were open fraudulently. I did not open nor did I authorize anyone to open these accounts. Attached is the letter I sent and the supporting documentation that should have resolved this issue. As of today, the credit reporting agency has failed to comply with FCRA and has damaged my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The accounts listed on my credit report were open fraudulently. I did not open nor did I authorize anyone to open these accounts. Attached is the letter I sent and the supporting documentation that should have resolved this issue. As of today, the credit reporting agency has failed to comply with FCRA and has damaged my credit reputation.

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 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On XX/XX/2022, I received a notification text and email from Barclays ( JetBlue ) credit card about possible fraudulent charges. As soon as I checked and confirmed that the card was not in my possession, I called Barclay 's fraud department and informed them that I did not authorize these charges and that I do not have the card in possession. 
One charge was at XXXX for {$310.00}. The second charge was at XXXX XXXX for {$130.00}. 

They told me everything was taken care of and they'd issue a new card for me. The charge was removed from the statement. In XXXX, these charges reappeared and I received a statement. I sent all the evidence with a narrative but they can not reverse these charges because I did not report them as " stolen ''. At the time, I wasn't sure whether it was stolen or simply lost. Only after the police investigations, it was confirmed that the card was indeed stolen and used by someone else.

Barclays then wanted me to send them a copy of surveillance footage to prove that it wasn't me who actually used the card. It could not be done because it was still in the invest
igation process. Instead, I sent them the actual police report. The investigator even offered to give a verbal or written testimony to prove that these were fraudulent charges but Barclays did not take any further actions.

Their fraud department can not do anything about it and only the managers can reverse the decision. When I asked to speak with the manager, they told me it could not be 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 2022-08-03 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: FL

Complaint narrative:
Equifax has failed our client, XXXX XXXX on two levels, as a victim of identity theft. 

Since XX/XX/2022 we have submitted FIVE requests for them to add the Extended 7-year fraud alert and yet, they still only have a one year alert on her credit files. XXXX and XXXX added the alert in early XXXX. 

Also, we have submitted THREE disputes against a fraudulent inquiry ( XXXX XXXX XXXX ), and yet they continue to report this inquiry. Please note : XXXX has seen over and over again that Equifax is failing to remove any disputed inquiries by XXXX regardless of how many disputes are sent against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-03 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: GA

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
This Credit Company has repeatedly submitted incorrect information on my XXXX report as well as my XXXX report claiming I opened an account with them, I have no knowledge about this account as I disputed this error many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE BEEN TRYING TO GET EXPERIAN TO INVESTIGATE THIS ACCOUNT FOR MONTHS! 

THE LAST REPORTED DATE IS XX/XX/2021, WHICH MEANS IT WAS NEVER LEGALLY INVESTIGATED. ALSO, EXPERIAN ILLEGALLY RE-AGED THIS ACCOUNT. WHEN I FIRST PULLED MY CREDIT, THE DATE OF LAST ACTIVITY WAS XX/XX/2021 AND IT WAS RE-AGED TO XX/XX/2021. 

THIS ALL VIOLATES THE FCRA!

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 2022-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: AL

Complaint narrative:
My wife and I closed on a home on XXXX XX/XX/2022 on a fixed rate. I am XXXX XXXX XXXX veteran my home of record is Alabama. We purchased in Alabama because we would be exempt from taxes. Ever since we closed every month my mortgage has been a different amount, not to mention I'm still paying taxes every month. I've faxed in my paperwork with the parcel number to Mortgage Solutions, they told me it was up to their company whether or not I'm tax exempt and I have to fill out paperwork and it would take up to 6 weeks before I get an answer. None of this sounded correct so I called the closing lawyer ( will not return my call ) to make sure. I served my country, and I would like answers. I don't mind paying if I owe it, but none of this seems fair to me and I want to know where my money is going, why have my mortgage not been the same amount since my first payment all the way to this month ( XXXX ), and why is it up to the company if I'm tax exempt, when it states that as long as I'm a Veteran and I purchase in the State of my home of record ( Alabama ) I should be tax exempt. My mortgage is supposed to be {$1900.00} ( including insurance ) before tax exemption, after it is supposed to be {$1900.00}. I paid {$1900.00} once my first payment in XXXX. The lawyer gave me these vouchers to send in with my payment they won't accept them. The payment I made with the voucher was never applied to my account until XXXX where I had to pay {$2000.00} After I get letters in the mail, I owe {$3900.00} for XXXX, XXXX, and XXXX after making my payments on time. I got another for {$1900.00} then I get 1 for {$2100.00} starting XX/XX/XXXX, now I have 1 for {$2000.00} ( I paid this month, XXXX ). During this process I'm getting more mail from them stating my account is 30 days delinquent on top of all this I'm still being charged taxes. I'm just trying to get an understanding on what's going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I am paid twice a month, on the XXXX and on the last day of the month. I pay my mortgage on the XXXX of every month. I used to pay it on the XXXX of every month, but when I did that Flagstar Bank applied the payment to the prior month as an extra payment towards principal, reported me to the credit bureaus as being late on my payments, sent me to collections, and charged me late fees. Yes, they charged me late fees for paying my mortgage payment 10 days early!!! 

Now they are harassing me for being late on my payments on the XXXX of the month almost every month. I am within the contractual dates to pay my mortgage payments in full. Not only am I paying in full, I am over paying every month! My mortgage payment is {$1100.00} and I am paying {$1200.00} with the additional {$45.00} going towards principal. 

I didn't get my mortgage with Flagstar Bank, I opened it with a different company and everything went smoothly for the first two years I owned this house. Then Flagstar bought my mortgage and I have had nothing but problems with Flagstar since then. I'm not going to spend XXXX XXXX dollars to refinance with another bank when Flagstar can simply buy my mortgage from that other bank and start harassing me or charging me late fees when I'm paying my mortgage on time again.

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 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
2 new unauthorized mortgages were taken out from Wachovia bank ( now Wells Fargo ) on XX/XX/XXXX and XX/XX/XXXX using my credentials, credit score, collateral and income but were not signed ( enclosed ). On XX/XX/XXXX Wells Fargo offered to mediate the matter and after submitting requested information Wells Fargo declined to medicate on XX/XX/XXXX. 
This case is specifically covered in consent order XXXX. Definitions : Affected Customers : means any consumer subjected to any of the improper sales practices. 
Improper Sales Practies - means any of the following in the XXXX Bank XXXX Bank XXXX XXXX : ( 1 ) opening any account without the consumer 's consent Relevant Period - includes the period from XX/XX/XXXX to the effective date ( XX/XX/XXXX ). 
Wells Fargo has failed to resolve the 2 unauthorized loan accounts and have incurred {$400000.00} in damages from the funds disbursed and negative impact to credit reporting. Wells Fargo reached out to me to initiate mediation then withdraw without cause, violating the consent order and still leaving unresolved the 2 fraudulent mortgages, fails to address the federal loan program abuse and unjust enrichment.

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 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under 1666b. 

XXXX  account # XXXX days late on XXXXXXXX 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 2022-08-03 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: CT

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

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Verified First, LLC
State: NC

Complaint narrative:
The last charge on my record says XXXX by trick. They are trying to say that I tricked someone out of their money. It was not me and I have been trying to get this charge removed from my record, but it is not easy to do.. please understand that I have no control over it being on my record but it is not me and I don't know what I need to do to let employers know that I am working hard to get it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: NC

Complaint narrative:
I contacted AAG about whether I would qualify for a reverse mortgage in XX/XX/2022. Worked with XXXX XXXX who stated he had many years of experience and would research comps in my area. XXXX XXXX called back stating I would qualify for reverse mortgage based on his research of comps estimating my home value @ {$430000.00}. Because of his advice and ongoing reassurances I proceeded with the application completing the appraisal and required counseling. The appraisal came in at {$370000.00} short of what I needed to qualify. I am now {$770.00} more in debt. Read the article from your organization about overinflated estimates to persuade borrowers to proceed with loan applications. Have tried to contact XXXX XXXX about this issue with no response & unable to contact supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: FL

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 XXXX XXXX Account # XXXX ( {$1300.00} ) XXXX XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief