vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I had a second mortgage with XXXX XXXXXXXX XXXX on property in XXXX, XXXX XXXX I filed for bankruptcy XXXX  years ago Had an agreement with XXXX  XXXX XXXX to pay {$100.00} towards the loan until completion. 
I have paid {$100.00} a month according to agreement for almost the last XXXX years. 
I paid XXXX XXXX XXXX XXXX months for XXXX {$1600.00} ( Attached ) XXXX XXXX XXXX sold to XXXX XXXX 
I paid XXXX XXXX for XXXX  months XXXX {$2500.00} ( Attached XXXX XXXX XXXX sold to Specialized Loan Servicing. ( SLS ) I paid SLS XXXX XXXX {$3100.00} ( Attached ) SLS acting as Loan sharks, by start of COVID-19 demanded more money, started extortion by harassing, terrorizing elderly ( I am close to XXXX XXXX XXXX ). with threats of " XXXX '', foreclosure, short-sale ...., .. creating such a stress that I developed XXXX XXXX and was XXXX 
I was forced to offer a settlement agreement of {$10000.00} ( borrowing from HUD and others ), the loan shark SLS counter offered {$11000.00} that I paid ( Attached ) The second mortgage is closed, mute. 
But the XXXX  SLS is after XXXX again that is equal to a XXXX XXXXXXXX 
I hope that the XXXX  organization be stopped before endanger our lives.

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 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
Was supposed to relieve reimbursement from XXXX XXXX They used a company called Wise. They did the transfer 10 days ago and the money never hit my account. No one responds to inquiries via email and chat. Also you can not call. I think the whole operation is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: SC

Complaint narrative:
In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an 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 2022-06-22 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: SC

Complaint narrative:
In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX  Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: MT

Complaint narrative:
I have a new car lease on a 2021 BMW with BMW Financial services. BMW Financial Services will not speak to me about my lease when I call and instead transfer my call to BMW of North America customer service. I can not manage my lease, speak to anyone, etc. about this new vehicle lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
OnXXXX I received a text from what said to be Bank of America asking if I authorized a XXXX  payment of {$3500.00}. I responded no ans immediately received a phone call from Bank of Americas XXXX number. The person on the phone said he was from the banks fraud dept and he was going to help me reverse the transaction of the XXXX  payment someone from XXXX ga illegals made from my account. He verified lots of information just like the bank does when you speak to them then he told me in order to revere this and get my money back I would have to XXXX  the money back to Myself. XXXX accounts are made/ used with your phone Number so I did just that like he said I only had {$1600.00} in my account so he said that was the ammount I had to revere so I was coached on how to revere this which was going into my app to the XXXX part and sending my self the {$1600.00}. I was then told I would get new banking credentials since my account was hacked. About an hour later when I realized I never received them and then saw all of my money was gone I called the bank. I was scammed out of my entire account. I made a police report that same day XX/XX/XXXX. Bank of America advised me it would take 10 days to resolve. I called after 8 days on XX/XX/XXXX I was told my money would be refunded back to my account within 48 hours which would have been XX/XX/XXXX. No funds so I called again on XX/XX/XXXX I was told no decision was even made so he wasnt sure why the rep on XX/XX/XXXX told me I would have a refund by XX/XX/XXXX. This rep told me it had been escalated and that I would have a decision by end of day XX/XX/XXXX. I never heard back so I tried calling on XX/XX/XXXX bank was closed until XX/XX/XXXX. On XX/XX/XXXX I called and was told that the decision was made in my favor to refund me the money and I would have the refund my end of day XX/XX/XXXX. I made plans that day to go purchase a vehicle because my vehicle was recently totaled. I did this based off the information I was given by Bank of America. I never got the funds on XX/XX/XXXX checked again early XX/XX/XXXX no funds so I called again at XXXX on XX/XX/XXXX rep tells me no decision has even been made yet. I would have to wait for the decision so she cant even tell me if Ill get the money back at all. I requested to speak to a supervisor I was told Id receive a call back from a supervisor or manager but have not heard back.

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 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX, I contacted my bank, Chase, and placed a claim against the merchant, XXXX. Due to services not be fully rendered. At the time when I spoke to the representative I asked them if they needed any specific information from me and they stated " not at the time. '' I advised that the merchant did not provide me with the services for the duration required. I was provided with a refund in the amount of {$120.00}. I never received any calls, emails or letters concerning any information being requested or otherwise concerning my claim. On XXXX, I received a letter in the mail stating that I would be charged-back to my account on XXXX in the amount of {$120.00} because Chase receive information from the merchant concerning my claim being false. Please see the copy of the letter below. Base on the information that I was told, I was NEVER asked to provide any information concerning the claim. I never received any other letters, emails, statement, etc. I feel that this is completely unfair to me! I am a good customer and I don't purposely or intentionally cause any problems. But Chase bank and their representatives are not treating me fairly. I had to call over three different times on XXXX. I spoke with 5 different people their names were, XXXX, XXXX ; XXXX, Account Supervisor, XXXX, CSR, XXXX, Supervisor in CSR and XXXX, Ticket Submitter When I spoke with XXXX, she stated that it didn't matter what information I had in defense of what occurred with the merchant rather it is text messages, emails or whatever. She said, " the bank is NOT going to recognize it! ". I was hung up on by XXXX and spent 1 hour trying to get back to the executive office, just so I could encounter him again. And he said that he didn't talk to me or hang up on me and he did! I told him that they can pull the tapes! at the Executive office. He gave me a Ticket # XXXX. When asked how long it would take for someone to contact me he said he didnt know! He refused to allow me to speak with anyone that could possibly help me to get this situation rectified. Additionally, this problem has caused my account be be overdrawn! I had a credit card payment of {$10.00} that is currently sitting in a pending status but is most likely not going to be paid by Chase bank because of their horrible treatment of me and my account! I had money in my account to cover the credit card payment prior to the charge back. My previous balance was : {$38.00}. I want my balance of {$38.00} refunded to my account and I want my credit card payment of {$10.00} to be processed and now I will most likely receive a charge for returned payment which is in the amount of {$30.00} and up. I want Chase bank to pay that as well. In addition, I want them to issue me a letter of apology indicating that they caused my account to be overdrawn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX pm, I received a notification from Chime via text asking me if I tried to use my chime card for Apple.Com/Bill for {$99.00}. Within XXXX minute I responded " no '' and per the response message, the transaction was blocked. I reviewed my account right away and within a XXXX window, there were ( XXXX ) {$99.00} charges to XXXX and ( 2 ) {$19.00} charges to XXXX totaling {$930.00}. I immediately contacted Chime Support @ XXXX ( XXXX pm call was XXXX minutes ) and was advised that this was indeed suspicious and directed to call back as soon as the charges were no longer pending we would file a dispute. 

On XX/XX/XXXX @ XXXX am I contacted Chime at XXXX ( call duration XXXX minutes ) to formally dispute the charges. I was advised that the review process could take up to 90 days, but that should this take more than 10 days I will receive a credit for the amount being disputed. ( Regulation E. ) Dispute Number XXXX - within XXXX hours ( XXXX pm ) I received an email from Chime stating that the final determination regarding my claim has been denied, based on their investigation no error occurred and that no funds will be credited back to my account. I contacted Chime again and was advised to upload screenshots of the text I received from them asking if I made the charges to XXXX on XX/XX/XXXX along with screenshots of my XXXX Bill. This was sent via email to Chime Support @ XXXX pm. I called back to customer support and confirmed that this was received and the review process was being started. I requested any and all documentation that they used in this determination to be forwarded and received a generic email back stating that I will receive this within 10 business days. At XXXX am this morning ( XX/XX/XXXX ) I received an email from Chime stating that my request to reopen my claim has been declined due to not providing them with any additional information. I originally forwarded exactly what I was told to send and then followed up and called to confirm they had received this. 

This needs to be reviewed properly and there is no other determination other than Fraud as I did not make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I booked my stay at the XXXX XXXX XXXX in XXXX XXXX using award nights, so my stay should have been free. However, I was asked to provide a credit card for any incidentals at checkin. I was incorrectly charged on that credit card, which was my Chase credit card. The purchase was made on XX/XX/2022 in the amount of {$120.00} I have contacted the hotel to get a refund but they were dragging their feet and referring me around with no solution, so I disputed the charge with Chase. 

Chase only contacts me about the dispute via snail mail dispute my attempts to make contact via Chase 's secure message services ( because I am in XXXX for work for the time being ). I was asked to submit evidence for the dispute and I uploaded the documents to Chase 's document center, then I asked for confirmation that they were received via secure message, a request that was ignored. Then I just received a decision in the mail that said the decision " remained the same '', in reference to the fact that I almost missed the deadline for uploading proof due to Chase 's insistence on using snail mail which I can not check. 

So I am not even sure Chase considered the evidence I submitted, which should have been sufficient to prove that no purchase should have been made and there was an error that needed to be rectified. The burden of proof that a legitimate purchase was made should rest on the hotel, as I doubt they will be able to produce the documentation to show that any transaction occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DEAR CREDIT BUREAU EXPERIAN : I am sending this letter to your response to information discovered on my credit reports. Be advised, this not a refusal to pay, but a notice sent pursuant to the Fair Deb Collection Practices Act, 15 USC 1692gSec 809 ( b ) that your claim is disputed This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the information found on my credit reports. I respectfully request that your office provide me with complement evidence that I have any legal obligation to pay Please provide me with the following : 1. An explanation showing what money you say I owe is for ; 2. An explanation of how you calculated what you say I owe ; 3. Copies of papers that show I agreed to pay what you say I owe ; 4. A verification or copy of judgment if applicable ; 5. Alleged account number 6. Proof that you can identify the original creditor ; 6. Proof that the Statute of Limitations has not expired on this account ; If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased Your non- compliance with my request will also be construed as an absolute waiver of all to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
I request all further correspondence regarding this SUSPECTED debt collection to be sent via mail For the past 36 months, I have submitted supporting evidence that I am a victim of identity theft SUCH AS POLICE REPORTS AND FTC REPORTS and you have ignored them in violation of the Fair Credit Reporting Act. 
THIS ADDRES XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX ITS INACCURATE HAVE NEVER LIVED THERE ATTACHED ONE MORE TIME IS A COPY PROOF OF ADDRESS. THANK YOU FOR YOUR TIME AND CONSIDERATION IN THIS M TTER, PLEASE FORWARD ANY CHANGES TO MY CREDIT FILE AND FURTHER CORRESPONDENCE TO THE ADDRESS ABOVE XXXX XXXX XXXX XXXX XXXX FLORIDA 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 non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen Loan Servicing Account # # XXXX XX/XX/XXXX thru XX/XX/XXXX. 
During this time, Ocwen improperly calculated loan balances, misapplied payments, late charges, failed to correctly process escrow and insurance payments. Ocwen compounded these failures by illegally foreclosing on my loan and submitting an erroneous 2nd lien on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hard inquiries from both JP Morgan Chase & XXXX XXXX  for credit card applications reported on my credit report for accounts I did not apply for. Contacted both banks to alert to fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
ON XXXX XXXX I RECEIVED AN EMAIL FROM " XXXXXXXX XXXX '' STATING I WAS CHARGED {$350.00} FOR SERVICE AND THAT IF I DIDNT WANT THE SERVICE TO CALL XXXX. I CALLED THE NUMBER AND " XXXX XXXX '' TOLD ME HE NEEDED TO ACCESS MY ACCOUNT THROUGH MY COMPUTER. HE THEN SHOWED ME A SMALL BLACK SCREEN TO TYPE MY NAME AND THE AMOUNT OF {$350.00}. HE OBSOLETED THE DECIMAL LEAVING AN AMOUNT OF {$35000.00}. HE TOLD ME HE MADE AN ERROR AND REFUNDED ME {$35000.00} INSTEAD OF {$350.00} AND THAT I NEEDED TO GO TO THE BANK IMMEDIATLY TO WIRE THE MONEY BACK. HE COACHED ME TO SAY " THAT HE WAS A FAMILY FRIEND ''. XXXX XXXX XXXX FROM WELLS FARGO ASSISTED ME. HE ONLY ASKED ONE QUESTION ... '' DO YOU KNOW THIS PERSON? '' HE NEVER PULLED MY 30YRS OF BANKING WITH WELLS FARGO HISTORY TO SEE THAT IVE NEVER MADE THESE TRANSACTIONS IN THE PAST. I WAS OBVIOUSLY IN DISTRESS AND HE FAILED TO PROTECT MY ACCOUNT. THE WIRE TRANSFER OF {$34000.00} WAS INITIATED WITHOUT EXTENSIVE VERIFICATION. XXXX COULDVE TAKEN THE EXTRA STEP AND ASKED TO PHONE A FAMILY MEMBER. 
I WENT BACK HOME WHERE XXXX XXXX PHONED ME AGAIN. HE TOLD ME " NOT '' TO ACCESS MY COMPUTER OR BANK AT ALL OTHERWISE I WOULD LOSE ALL MY MONEY. AROUND XXXX I CALLED MY DAUGHTER TO TELL HER WHAT HAPPENED. SHE IMMEDIATLY BECAME DISTRESSED AND RUSHED TO MY HOUSE. WHEN SHE GOT THERE I WAS ON THE PHONE WITH XXXX AND HE TOLD HER THE SAME, NOT TO DO ANYTHING. SHE KNEW THIS WAS A SCAM. WE CALLED WELLS FARGO FRAUD DEPT AND FILED A CLAIM. XXXX FROM WELLS FARGO CLOSED MY ACCOUNTS AND OPENED A CASE REGARDING THIS MATTER. WELLS FARGO HAS FAILED TO RETURN MY MONEY. I AM A RETIRED WIDOW AND THIS WAS MY LIFE SAVINGS. THIS IS ELDER FINANCIAL EXPLOITATION. THIS IS ELDER ABUSE AND HAS CAUSED EXTREME XXXX AND ANXIETY. I DONT FEEL SAFE OR SECURE BANKING WITH WELLS FARGO. IVE SPOKEN TO A PREVIOUS " XXXX XXXX '' EMPLOYEE OF WELLS FARGO AND SHE TOLD ME PROTOCAL WAS " NOT '' FOLLOWED TO PROTECT ITS CUSTOMER

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