vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
I refinanced my loan in XX/XX/XXXX which moved my home loan from United Wholesale Mortgage ( UWM ) to XXXX XXXX The new lender paid the County tax for the year, under XXXX XXXX XXXX in the amount of {$1700.00}. XXXX XXXX confirms tax is paid in full for the property, and only one payment was received. 
However, UWM is claiming that they also paid the County tax, despite multiple confirmations from XXXX XXXX saying only 1 payment was received, and it came from XXXX. 
I initiated calls with UWM starting XX/XX/XXXX to resolve the issue and to receive payment from UWM, because as it stands, I have 'paid ' taxes twice in one year. 
UWM claims to have attempted several calls to XXXX XXXX and says they have left messages and even spoke with " XXXX. '' However, in my calls to discuss with XXXX XXXXXXXX tax dept, I learned that they don't have voicemail, nor an employee in the department named " XXXX. '' XXXX XXXXXXXX requested that UWM provide proof of payment ( check #, wiring info, etc. ) to support their claim of a payment sent and received by the County, but they have not provided this information. 
I have requested to speak to managers and asked for call backs, but they have not called me. UWM says the issue is under investigation with resolution date of XX/XX/XXXX, but I was also told several other dates of resolution that have since lapsed. 
UWM also shows they received a refund of this exact amount posted to their internal account/system on XX/XX/XXXX. This is likely the " bounced '' payment to the County, and I am getting the runaround from UWM saying somebody else has my money ( XXXX XXXXXXXX ), it's being investigated, or that they simply don't owe me anything. 

Summary of Calls : XXXX Reviewing details, call back on XX/XX/XXXX for update XX/XX/XXXX XXXX XXXX sending back a payment, takes 3-4 weeks to process XXXX Actually takes 3-4 weeks from now ( spoke to XXXX at XXXX XXXX XXXX  who doesn't exist ) XXXX Claimed that no refund for tax due, they were about to hang up. I asked why I haven't received my escrow, then they said it was coded incorrectly. Submitted an investigation, said it will be resolved within a week. 
XX/XX/XXXX Claims they are waiting to talk to XXXX XXXX XX/XX/XXXX ( called twice ) UWM says I'm not talking to the right XXXX XXXX tax dept, and a payment was definitely received. Called XXXX XXXX, they have no proof of payment from UWM or their affiliates ( XXXX ), regardless of which XXXX XXXX tax department it was sent to. 
XXXX Nothing they can do about the issue, other than wait until they complete investigation on XX/XX/XXXX XXXX Still no info from XXXX XXXX, they claim that XXXX XXXX isn't returning calls left on voicemail ( they don't have voicemail )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2022, someone used my Social Security Number and potentially other sensitive information to open a checking account with Chase Bank. The fraudster used a counterfeit US Treasury CheckXXXXEconomic Relief with my name and address on the check for the amount of {$600.00}. On XX/XX/2022, Chase reported the fraudulent check to my address with a copy of the counterfeit check in question. I received both the notification letter, along with a debit card associated with the new bank account in my mail on the morning of XX/XX/2022. I reported the fraud immediately to Chase after these documents and card. Chase has since closed the account and all online access into it, and has filed an internal investigation on the matter. I have also taken steps to report the ID Theft to my local police and filed an investigation on the matter separate from the bank. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Leap Credit, LLC
State: MO

Complaint narrative:
I officially filed for chapter XXXX bankruptcy on XXXX. This included any and all outstanding debts including my debt with Leap Credit. They began texting my personal cell phone and e-mail trying to receive payment on XXXX. I have since given them the name and contact information as well as the name of my attorney and case number for my bankruptcy. They have still continued to contact me at which time I told them to not contact me any further on XXXX. I received another text from them today ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
I pulled a credit report and see that there are 13 Affirm accounts opened and all are delinquent. I have tried to file a dispute with this company but it is all computer generated and it is not allowing me. When I logged online to Affirm I can see a XXXX XXXX address and a email address associated with the account. I filed a police report with our local police department as well. It appears the account was opened on XXXX, XXXX XXXX. 
XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$120.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$82.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$98.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$62.00} XX/XX/XXXX - {$120.00} XX/XX/XXXX {$64.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The account in question is the California Unemployment Benefits ( CA XXXX ) card that was issued to me from Bank of America when I was on XXXXXXXX XXXX after the birth of my XXXX XXXX. This was XXXX years ago. I have called Bank of America and requested the account be closed. They say they can not close it and I should contact the CA XXXX to close it. Then I call the XXXX and they tell me that they can not close it and I must contact Bank of America to close the account. So they're literally giving me the run around all while refusing to close this account. Meanwhile I get monthly statements asking me to log in to see my account which I can't even access. This is reminiscent of the XXXX XXXX situation where they opened accounts without customers knowledge or authorization and refuse to close them just so they can have an elevated number accounts on their books for the purposes of looking larger than they are. Please help me get this account closed. I will likely never use it again because I own my business and will likely never be unemployed.

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 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Hello, I am writing to better understand the legitimacy and legality of PMI and the removal process. 

Due the nature of the real estate market in XXXX ( and since XXXX ) home values have soared. And they do not appear to going down any time soon. 

With that, I am wondering why I am not able to take advantage of the current market conditions to remove my PMI. 

If you were to calculate my XXXX today, it would be in the XXXX ( % ). 

My mortgage is XXXX years old. 

My lender, however, will only let me remove it if I pay {$18000.00} toward the principle ( which is impossible given my current financial situation - i.e. just a normal working-class person, first-time homeowner, student-debt having, single-income household, paying $ XXXX for gas for my commute ), or show them proof of having made major improvements to my home ( adding square footage, a complete kitchen or bathroom remodel, etc. ). 

Neither of these is realistic and they know that. I live in a condo and make {$52000.00} a year. 

I have paid my mortgage on time since it's inception and I'm not even really mad about having to pay the PMI. 

It just seems that if the value of my home has increased, whether by my own action ( XXXX ), or by the natural forces of the market, if the loan to value crosses the threshold, PMI should be removed. The lender 's investment is safe -- for them to act otherwise is for them to act naive and ignorant ( and we know they are certainly not either of those things ). 

My $ 120 monthly PMI payment actually represents a fair amount of money for me per month. For a mortgage lender, I can only imagine that this sort of nominal fee is nothing more than pure profit -- it's really not all that different than how overdraft fees used to be. Surely, they serve a purpose and the concept isn't inherently evil or dishonest, but in this instance ( and I know there are many, many other people in my exact same position ), this is a fee that has far surpassed it's usefulness and necessity. It is now simply abusive and unfair to the consumer. 

I look forward to hearing back from you. 

Have a nice weekend. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I ordered XXXX ottomans through XXXX with my synchrony bank/ snazon credit card back on XX/XX/2021. Merchandise was supposed to have been delivered to my house no later th a n XX/XX/2021. Total amount was XXXX. I am on 6 months deferred payments and made my first payment XX/XX/2021 of XXXX to date I have not received merchandise. I contacted synchrony bank and they told me account is under investigation but that XXXX XXXX and XXXX show items delivered. XXXX web XXXX ite shows delivered to a garage. My house has NO garage. To date I am still waiting on refund and am b e ING charged late fees while account is still under 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 monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
It all started back in XXXX when I originally applied for a mortgage with Chase, the process was dragged out. They tried to find every excuse not to give me a loan. I had a consistent job, my credit score was in the XXXX, I had the income and the down payment. A few days before my original closing after sending all the documents they needed, I suggested and had to find a Co borrower for my mortgage because they said I didnt qualify for the loan. 
This next incidence was back in XXXX of XXXX. I applied for a refinance to help lower my payments, save on interest and take the co borrower off the loan which he helped me with. He needed to apply for credit for his own personal reasons and wasnt able to because he was on my Mortgage. I had the same job, my credit score was still in the XXXX, didnt miss any payments and had equity in my home. I was receiving income from the same job but was just on workers compensation. I was told by the representative after a long conversation going through the application and answering all the questions for qualification and her explaining what my rate would be ; to reapply after I go back to work. I later on emailed her and told her I think she was violating my rights because I have a source of income. She proceeded to process my application and set up where I needed to upload my documents including my pay stubs. Which I uploaded and sent. Days later passed with no response and I reached out to see if she received my documents. She told me that they needed to have a letter stating when I will go back to work. I told her I didnt know for sure and couldnt produce that but I can upload a job verification with XXXX protection. She ignored my calls from the beginning and continued. I emailed her and even CCd her supervisor to get updates with no response. I finally got an email back and she said she will get back to me to see if my letter was enough. She also explained that the other letter I sent stating 2 years of XXXX was not enough. Weeks went by and my application was just closed. No notification by email, telephone call or written denial letter. 

I was treated very unfairly and discriminated against because of a temporary XXXX that she pointed out as in attached email. They denied me all the possibilities to help me lower my payment. They didnt care if I would have been in a future situation, that could have led to me losing my home. I have been receiving a lot of refinance letters, since interest rates have gone down and they didnt even give me a fair chance. XXXX XXXX owns my loan and Chase act like they couldnt help me. They denied me my equal rights just as everyone else to apply for refinance and to be treated fairly. I have suffered mentally and financially and I am highly disappointed because I have put all my financial trust in Chase being a customer for over 10 years with banking and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I, XXXX XXXX, a consumer, am submitting this complaint against Transunion and there is no third party involved. Transunion has my personal information inaccurate and incorrect on my consumer report, which is causing great stress. MY NAME IS XXXX XXXX. I do not have any other names or aliases, and I do not wish to disclose any other names or aliases. Unless Transunion can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT TRANSUNION DELETE THEM FROM MY CONSUMER REPORT. Otherwise, they are infringing on my consumer rights. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Transunion has no legal authority to retain these inaccurate addresses on my report, especially without my written consent. if applicable, ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these employers. I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. The name on my ID and utility statement is how my name should be spelled. XXXX XXXX. The address on the enclosed utility statement is my ONLY ADDRESS. Included are exhibits to evidence the correct spelling of my name ( ID ) and correct address ( UTILITY STATEMENT ). I DEMAND TRANSUNION TO CORRECT THIS INACCURATE INFORMATION WITHIN XXXX ( XXXX ) BUSINESS DAYS BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. Transunion is now liable for damages of $ XXXX for Civil Liability for willful noncompliance, which Transunion has failed to comply. This also includes any actual damages.

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 2022-04-08 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:
XXXX - XXXX - {$430.00} XXXX XXXX - XXXX - {$860.00} XXXX - XXXX - {$6300.00} Department of Education - XXXX - {$170000.00} XXXX - XXXX -- - {$2500.00} XXXX  XXXX XXXX - {$5500.00} In according to the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have a right to privacy and the right to determine what information is personally released about me. I have tried several times to remedy this the companies directly through email and US Mail. This company continues to publish information that is false and hurting my ability to live a lifestyle with the similar privileges of my peers.

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 2022-04-08 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:
XXXX - XXXX - {$430.00} XXXX XXXX - XXXX - {$860.00} XXXX - XXXX - {$6300.00} Department of Education - XXXX - {$170000.00} XXXX - XXXX -- - {$2500.00} XXXX  XXXX XXXX - {$5500.00} In according to the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have a right to privacy and the right to determine what information is personally released about me. I have tried several times to remedy this the companies directly through email and XXXX Mail. This company continues to publish information that is false and hurting my ability to live a lifestyle with the similar privileges of my peers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I wired money {$2700.00} to my mortgage company and somehow my room mate got {$2500.00} out of my account via XXXX,  afterwards, I don't know how or when he did this. I find out that mortgage wire came back due to lack of funds, and complained the next day and I thought it was handled but it wasn't, I sent in my complaint, and on XX/XX/XXXX they said they are still working on it but they deposited the money. on XX/XX/XXXX the money or decision was reversed.I dont understand it doesn't make sense why would I withdraw money or send it to XXXX the same day I pay the mortgage. XXXX has even admitted taking it without my permission. and owes me another {$2500.00} for 3 months past rent. and I feel that he somehow got it reversed and is scamming me I am filing charges on other matters. 
First the Wire shouldn't have been returned that caused a mortgage late. 
secondly why was a amount taken that was not even in the bank and was very suspicious. 
Third I didnt authorize it, I filed a police report and they said they would reopen it and look at it. the day I faxed it they said they were staying with their denial of returning my money It was filed at the XXXX XXXX police station. And the bank will have me on hold for over a half hour. I would have done it sooner but I am evicting the guy, and took time.

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 2022-04-08 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had a charge on my account that I did not authorize. I was in XXXX when I saw it and couldnt get through to amex by phone so I just clicked that I was disputing the charge online and then kept my card locked until I returned to the US and then called then and had the card closed due to the fraud. They did so and sent me a new card and today I got a letter from Amex saying I am responsible for the charge. I called them and asked them why they are holding me responsible for a fraudulent charge and they gave me a lot of trouble about it, suggesting I just made the charge and forgot. They looked up the company and said it was a taxi and I re-iterated I have never made a {$150.00} charge with any taxi. They finally re-filed it as a fraud dispute but I dont trust them at all to take care of it and am asking for your help. I believe I am not supposed to held accountable for a fraudulent charge. I paid hundreds of dollars for this card and pay my account in full every month- why are they interested in protecting the criminals instead of me???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Re : Claim # XXXX for account ending in XXXX Give a man a XXXX and he can rob a bank, but give a man a bank, and he can rob the world. 

This is exactly what Capital One does, they are not alone however, all banks do this. They do this because we the American people and our govt allows this corruption to take place. 

Capital one claims to protect the consumer from fraud, the facts speak different. I was charged {$800.00} for a service I was told was {$20.00} I reported this to capital one. And they stated that the merchant sent them a receipt and that my claim is denied because of this. How does a receipt justify charging me XXXX  $ fraudulently? Anybody can make a receipt and even with a receipt, if the merchant changed the price on me at the last second what does a receipt have to do with me being scammed?! Makes no sense. 

Dont bank with capital one. 
I will be filling a lawsuit and making additional complaint to govt agencys to hold them accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo has frozen my account, as well as the funds in it, leaving me with no way to retrieve my funds. 

My account is frozen because I closed my bank account, at the suggestion of my bank, after falling victim to a scammer. Venmo is aware of the scammer, but has not taken any action against him. 

I think that it is illegal for Venmo to hold my funds without any way to retrieve them. If Venmo wants to go through the collections process to retrieve the funds from the scam, then I would understand that. I am just asking for the funds that are currently in my account to be released.

Company response to consumer: Closed with explanation