vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2021 at around XXXX CT, I was held at gunpoint by two men who took my wallet and phone. They forced me to unlock my phone and log into my Chase bank app. I was then held by one of the men. while the other went to withdraw money from an ATM at a near by grocery store. Once they were able to get the money, the let me go but kept my phone and wallet. When I got home, I called the police who came and took my statement. I gave them screenshots of my account to show that they had taken money out of my personal and business accounts but had also make a XXXX transfer of {$2000.00}. The next morning, I called Chase and they were able to reverse the ATM withdrawls with in a few days. 

On XX/XX/XXXX, I received a message from Chase that they were denying my claim for the {$2000.00} XXXX transfer. I contacted them again to dispute and retell my story of being robbed and they re-opened the claim. On XX/XX/XXXX I received another message again denying my claim. 

I have requested and am waiting to receive a copy of my police report to submit as evidence but in the meantime wanted to file this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/XXXX, I placed an order with XXXX for {$290.00}. Unfortunately, they were only able to provide me with {$45.00} of the orderand had to cancel the remaining items which totaled {$250.00}. I spoke with Chime on XX/XX/XXXX because I noticed the pending transaction date had been updated to XX/XX/XXXX. Chime wanted me to dispute the {$45.00} which I told them I would not because that was my transaction. They stated XXXX updated the pending transaction. I called XXXX and spoke with XXXX XXXX. She conferenced in Chime and explained to XXXX that the money should be released back to me and sent over the documentation telling them the error was on their end as the authorization reversal as well as the charge authorization had been sent to them on XX/XX/XXXX. 

I spoke with XXXX and XXXX, the supervisor at Chime this morning with no resolve. They are still following their script and refusing to assist even though they are in possession of the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
early last year my ex-wife totalled her leased vehicle, a XXXX XXXX. The vehicle was fully insured and insurance covered the loss and we were billed and paid the difference. The account was paid in full and closed and then we got hit with a " charge off '' that shows on our credit report monthly XXXX through XXXX of 2021 and knocked our credit down nearly 100 points and still hasn't rebounded to the level that I've maintained for 20+ years. We contacted all of the credit reporting agencies to challenge the ding on our credit. 

There was no financial loss to XXXX XXXX, we have insurance and insurance paid as expected so why did I get slammed? It's credit reporting, not a driving record. 

The agencies went through the motions, after hours on the phones, weeks of back and forth we got a couple of letters saying that they investigated and will make no change. XXXX gave no relief either ; they stood behind what they reported to the credit agencies.

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 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank
State: FL

Complaint narrative:
I was applying for a mortgage to purchase a property and found out that Synovus had improperly reported my payment history. My credit score went from XXXX to XXXX because of this. I am now unable to purchase property. In addition Synovus charged me {$1500.00} in late fees.

I called Synovus and requested that they correct the issues above. They determined ( letter attached ) that there was an error in reporting. ( Letter attached ) I have requested a letter to specifically state that there were no late payments and the request has been ignored. I also requested a refund of the late charges and that was ignored as well.

I have attached a copy of the credit report error as well as the mortgage statement showing the late charges.

Not only was I unable to purchase the property but interest rates have gone up and will cause significant increase in my monthly payments Synovus just ignores me hoping that the problem will go away if they ignore me long enough. I am hoping others will learn from this and stay away from Synovus at any cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: MD

Complaint narrative:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX and ChexSystems denied to freeze my report

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 2022-01-07 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: MI

Complaint narrative:
early last year my ex-wife totalled her leased vehicle, a XXXX XXXX. The vehicle was fully insured and insurance covered the loss and we were billed and paid the difference. The account was paid in full and closed and then we got hit with a " charge off '' that shows on our credit report monthly XXXX through XXXX of 2021 and knocked our credit down nearly XXXX points and still hasn't rebounded to the level that I've maintained for 20+ years. We contacted all of the credit reporting agencies to challenge the ding on our credit. 

There was no financial loss to XXXX XXXX, we have insurance and insurance paid as expected so why did I get slammed? It's credit reporting, not a driving record. 

The agencies went through the motions, after hours on the phones, weeks of back and forth we got a couple of letters saying that they investigated and will make no changeXXXX XXXX gave no relief either ; they stood behind what they reported to the credit agencies.

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 2022-01-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OR

Complaint narrative:
Starting on XX/XX/XXXX I contacted XXXX XXXX with Cardinal Mortgage about refinacing. I gave him the go ahead on the process and sent in multiple documents as asked for. By the XXXX of XXXX. I had sent in multiple documents I was becoming frustrated. In talking to XXXX he said more than once that the customer assistance people just send out requests on a routine basis not necessarily aware of what has already been received. On XXXX XXXX I paid $ XXXXfor the appraisal. 

The appraisal was done XX/XX/XXXX and according to conversations with XXXX I had submitted enough documentation even though I kept getting requests from their assistance people. 

The closing date was supposed to be the first week of XXXX and now the rate lock has expired. I have tried to contact XXXX all this week with no response and called the corporate headquarters in North Carolina with no response. 

I believe they are dragging their feet since the rates are going up because of the govt stopping the influx of money into the system, inflation and whatever and not wanting to follow thru with my XXXX rate. 

I became so frustrated during the process that I threatened to pull out of the deal myself more than once but never did and if they had taken that seriously they wouldn't keep sending me emails requesting more documentation. No doubt my complaint will be refuted by them citing all the requests for additional docs but again, when I talked to the loan officer XXXX XXXX XXXX XXXX XXXX in Az. he assured me that " we were fine ''. 

If they had heeded my threat to pull out of the deal I wouldn't have received an additional request as recent as this XX/XX/XXXX. 

The only files I can attach are all the financials they requested which I don't necessarily want to send. Here is the latest email requesting more docs. 

Hi XXXX and XXXX, You have new to-dos for your home loan. Please sign into Octane and complete them as soon as possible to keep your loan on track. 

To access your loan in Octane, click here. 

Thank you, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Cardinal Financial Company | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX If I'm unavailable, please contact XXXX XXXX at XXXX between XXXX XXXX XXXX XXXX XXXX XXXX or email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
In XXXX I received a notice that a case had been filed against me by Eagle Loan and they were represented by XXXX XXXX XXXX Firm in XXXX, XXXX I had not one time ever received any notices/calls from Eagle about this issue. When I received this notification I reached out to the law firm to see what I could do. I have been waiting to get a response and nothing... I have attached all the emails where no one will assist me with this. 

Case number 2021 CVF XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2022, I received a letter that synchrony bank/ Value city card closed saying too many revolving credit accounts with this account having no payments due and paid in full they closed it. I believe this is unfair because they have no idea that I had fraud on some of my accounts and just to close this one for basically no reason is really wrong. This account never had a late payment and balance was paid in full. I know this affects my credit report. Please look into this. This is completely unfair.

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 2022-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mid-Atlantic Finance Co., Inc.
State: VA

Complaint narrative:
CFPB this is a NEW COMPLAINT WITH NEW INFORMATION. Please do not continue to let this loan shark of a finance company to continue to close out as duplicate as this is not. I will not cease until my i receive recompense for being charged erroneous fees in this consumer transaction. 

Not only that, there is an affidavit that was initially sent and should be responded to with a affidavit responding to each fact. There are several violations here all of which i will compile and present to my attorney if i do not receive amount requested as a result of violations outlined or possible settlement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Stellantis Financial Services US Corp.
State: MD

Complaint narrative:
On XX/XX/XXXX I made a full payment in the amount of {$610.00} with First Investors manager XXXX XXXX. The confirmation number is XXXX. First investors refused to report me to the three credit bureaus in the month of XX/XX/XXXX. Most importantly, my payment was made PRIOR TO MY DUE DATE! Needless to say, First Investors is maliciously sabotaging my credit due to their procrastination in reporting. My account should be reported EACH MONTH!! Im not allowed to skip payments. Therefore, First Investors should not be allowed to skip months reporting my payment to ALL THREE CREDIT BUREAUS! The gross misconduct and shenanigans is extremely unprofessional and damaging.

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 2022-01-07 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2021, and prior, I checked several websites for XXXX XXXX puppies as my family and I were searching for a puppy to have for the holidays. Finally, I inquired about a XXXX XXXX puppy from a web site XXXX. After providing my contact information, answering questions about my family, neighborhood, and interest in the puppy a XXXX XXXX phone # XXXX from XXXX XXXX Texas emailed me back and provided details about the puppy along with pictures of the puppy and the puppies parents. 

I let XXXX know I would like to proceed with purchasing the puppy. XXXX then requested I send XXXX dollars via XXXX to a XXXX XXXX at XXXX. The puppy was promised to arrive the following day XX/XX/2021. 

The following morning ( XX/XX/2021 ) XXXX XXXX reached via email and let me know he was going to arrange shipment of the puppy and I would receive the dog at my home around 6 PM. 

Later on this morning, I received an email from the supposed shipment company XXXX stating that the puppy required a crate for heat and safety if I wanted it shipped. The shipment company gave me a tracking number, three options of different crates, with different prices to rent 1,2, or 3 with a promise of refunding most of the money once the delivery and crate was returned. I picked the least expensive crate of a total of XXXX. A man named XXXX XXXX from XXXX XXXX requested I send the crate payment via XXXX to XXXX. 

Soon after, I was emailed that the crate 3 was not available and if I wanted the puppy shipped, I would have to pay an additional XXXX for the higher priced crate rental. 

At this point I realized I was being scammed. On this date XX/XX/2021, I called TD bank 3 times requesting and begging that they stop both payments to XXXX XXXX for XXXX and XXXX for XXXX. XX/XX/2021, was a Sunday and my online account showed both payments were pending. I requested TD not allow both payments to process. Each time I called, every customer service person I spoke with over the phone at TD bank said the same thing that once a payment is sent through XXXX, there is no way they can stop the payment. I was devastated. I went into a TD bank branch a few days later to speak with a bank teller and they advised me to dispute the transaction and file a police report. 
I waited until I received a letter from TD bank stating that my dispute for the amount of XXXX was denied due to an error not occurring. I then filed a police report on XX/XX/2021 at the XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Early Warning Services LLC and XXXX denied to freeze my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/2021, this writer contacted Westlake Financial Services Credit Bureau Department via email and requested they NOT list any accounts pertaining to me derogatory or not, to any of the ( 3 ) main major credit reporting bureaus pending a internal investigation by their Dealer Compliance Department into a ( fraudulent buyer contract ) intentionally misrepresented and prepared by the dealer. 

The next day on XX/XX/2021, Westlake Financial Services aggressively ignored the email request and listed the account debt to all ( 3 ) major credit reporting bureaus. 

Since that time this writer had filed disputes with the ( 3 ) credit bureaus and also filed a complaint with the Federal Consumer Protection Finance Bureau. 

On XX/XX/2021, Westlake Financial Services Director of Dealer Compliance ( XXXX XXXX ) responded to the Federal complaint ( see attach. ) by falsely stating that the loan or contract in question had been 'sold back ' to the dealer and that there would NOT be ANY CREDIT REPORTING TO THE CREDIT BUREAUS. 

AS THIS WRITER PREPARES THIS STATEMENT, THERE IS A CURRENT PENDING DISPUTE WITH XXXX TO HAVE THE ACCOUNT REPORTED BY WESTLAKE FINANCIAL SERVICES ON OR AROUND XX/XX/2021, REMOVED. 

ON XX/XX/2021, THIS WRITER ALSO RECEIVED A LETTER FROM WESTLAKE FINANCIAL SERVICES COPIED TO THE DEALERSHIP ( XXXX XXXX XXXX  ) STATING THE CONTRACT WAS NOW 'RE-ASSIGNED ', NOT SOLD BACK TO DEALERSHIP AND THAT I ( Buyer ) WAS STILL LIABLE FOR A FRAUDULENT CONTRACT. 

I'M ASKING FOR AS VERIFIABLE PROOF, WESTLAKE FINANCIAL SERVICES SUBMIT DOCUMENTATION SHOWING WERE THIS WRITER ( BUYER ) DEPOSITED ( {$7000.00} ) DOLLARS DOWN ORIGINALLY TO THE DEALERSHIP XXXX XXXX XXXX ( XXXX, FL. ) as was fraudulently claimed in the buyer contract or SEND RETRACTION LETTER TO THIS WRITER COPIED TO BOTH PARTIES!

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 2022-01-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX  Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00}

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 2022-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Someone hacked into my bank account and XXXX XXXX dollars on XX/XX/XXXX to account without my authorization. I have contacted Wells Fargo and submitted a claim and they denied my claim stating that it was me or someone i know that made this transaction. I have been with Wells Fargo since XXXX. Please help me retrieve my money from this transaction.

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