vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
To summarize my claim I will start out by stating the facts. I was excited to refinance my home from an FHA loan to a Conventional Loan and save on the PMI insurance. We qualified with a small margin but we qualified. One day before closing docs were to be printed, I informed my loan officer, XXXX that my son ran into an emergency with his car and purchased and financed a new vehicle. My son and I are both listed on the home loan. XXXX mentioned that we barely qualified but being we were closing soon we should be ok as long as they dont run your credit prior to signing the docs I thought that meant everything was good. XXXX had every opportunity to tell us not to sign but he didnt. Loan docs were printed and we signed all of them the next evening. XXXX also failed in advising that we were going to be signing a document stating we did not incur more debt Being that there are so many papers and its overwhelming ; this particularly important statement which I signed didnt register with me. I hold the loan officer, XXXX, as the professional, responsible for not acting in my best interest. He has full knowledge of what goes into these legal documents and failed as my agent. I was honest and upfront prior to signing. XXXX also knows what happens after closing. My loan was audited 6 months later. Basically the owner of the Brokerage decided to ignore my file after the initial contact of notifying me that I signed said paper. He never offered me a solution. Since then UWM my lender has informed me that the current loan has to be paid off. 
I just finished refinancing at a higher interest rate. I incurred XXXX in closing costs and my payments went up {$1300.00}. I had to sell my car and take a loss of {$5000.00} in order to qualify for the re-fi. 
Property Address : XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX I recently found out that the loan officer listed below, does not have license and uses the Brokers number. This means he can not discuss certain things with the client. 
XXXX XXXX XXXX  XXXX XXXX, owner ( XXXX ) XXXX email XXXX XXXX  # XXXX and XXXX # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  # XXXX ( XXXX ) XXXX email XXXX One reason Im making this claim is so no one else goes through what I have gone through to try and save my home. We as the consumer lean on the professional to act with integrity dealing with someone's livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: NY

Complaint narrative:
XX/XX/2022 i XXXX XXXX XXXX  call the credit company XXXX and spoke with 3 agents there. I explain my situation. Asked the first agent is he familiar with the provicey laws and he stated yes.i then asked did he know that it is illegal to sell, submit information that inaccurate the agent XXXX stated yes so I ask why did your company sell my information, submit inaccurate information that we can both see which is open dates and closed dates that don't match 23 different ssi numbers on my account address that experian want allow me to take off when is clearly shows its wrong! ..please request their records of our conversation and you will clearly here the agent XXXX state that they don't erase anything off accounts if the company that reported is a good source also they can sell information to other companies. Agent over talked me and told me lies hung up on me another agent clearly in the recording that he see the wrong thats done, I asked that he submit a complaint, he did but .but tried to make the complaint out as someone was using my account fraud and that wasn't the case it was XXXX that was doing the above mentioned also not I put in a complaint, and they telling me that I don't get a complaint ref # so how would I follow up???? if u can request the complaint I submitted yesterday XX/XX/2022 I've called fussed asked for proof, and received nothing.i was also told to not call XXXX cause they can't do nothing its not there problem call vendors .wow this is how I get treated by trying to fix my credit

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 2022-11-19 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: NY

Complaint narrative:
XX/XX/2022 i XXXX XXXX XXXX call the credit company XXXX and spoke with 3 agents there. I explain my situation. Asked the first agent is he familiar with the provicey laws and he stated yes.i then asked did he know that it is illegal to sell, submit information that inaccurate the agent XXXX stated yes so I ask why did your company sell my information, submit inaccurate information that we can both see which is open dates and closed dates that don't match 23 different ssi numbers on my account address that XXXX  want allow me to take off when is clearly shows its wrong! ..please request their records of our conversation and you will clearly here the agent XXXX state that they don't erase anything off accounts if the company that reported is a good source also they can sell information to other companies. Agent over talked me and told me lies hung up on me another agent clearly in the recording that he see the wrong thats done, I asked that he submit a complaint, he did but .but tried to make the complaint out as someone was using my account fraud and that wasn't the case it was XXXX that was doing the above mentioned also not I put in a complaint, and they telling me that I don't get a complaint ref # so how would I follow up???? if u can request the complaint I submitted yesterday XX/XX/2022 I've called fussed asked for proof, and received nothing.i was also told to not call XXXX cause they can't do nothing its not there problem call vendors .wow this is how I get treated by trying to fix my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We purchased airline tickets in XXXX for a trip to XXXX on XX/XX/2022. Bank of America is refusing to dispute the charges for two abruptly cancelled flights on XX/XX/XXXX and XXXX, stating that they are bound by an FTC rule limiting cc disputes to 120 days from the time of purchase. While this may make sense for many purchases, it clearly makes no sense for airline tickets which are most often purchased many months ahead of travel. Disputing these charges for flights cancelled without any notification or alternatives is one of our only remaining avenues, as the airlines have not responded to repeated emails, calls, complaints to the XXXX, or even to letters to their home offices. The airlines are XXXX and XXXX  ( XXXX 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 2022-11-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
National Enterprise Systems ( NES ) committed 31 violations of the Fair Debt Collection Practices Act. They violated Title 15 USC Chapter 42 ; 1692c, 1692e ( 2 ) ( A ), 1692e ( 10 ) 1692e ( 13 ) ,1692e ( j ), Chapter 94, Subchapter II, Paragraph ( a ) ( 2 )

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 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have a issues with my MT BANK business account, the bank are holdings my money and that im not able to withdrawl any of my money, or do any kind types of transactions on my account, The bank says the purposes for this hold is to verifying my identity and in order to remove this hold or alart I would need to verify my identity, I did uploads all the documentation to help processing the verification and even go to the branch in person couples time already but they are not helping any bit. and they have been holding my money for almost a month! AND THEY TOLD ME THAT THE BANK ARE NOT ALLOW WITHDRAWL ANY FUND FOR ME BECAUSE MY ACCOUNT ARE NEWLY OPENED JUST A MONTH

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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:
I used the XXXX feature on my chase app. I made a purchase through XXXXXXXX and the merchant did not keep their end of the bargain and scammed me out of my money. I reached out to chase regarding getting my money back but they say they have no control over the issue. And cant unfortunately give me my money back. I made the purchase via XXXX on the chase app on XX/XX/22. The transaction amount was {$140.00}. Chase has connected me to multiple people and none can help me. They state that the money had already be credited to the other persons account and can not reverse the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was a victim of identity theft. My phone, email, bank accounts, social security number were compromised. After speaking with XXXX and XXXX, we believe that my phone may have been cloned.

During this, the thieves used my information to log into my online banking and place a wire transfer to an unknown account of {$24000.00}. I notified Wells Fargo of the fraudulent transfer, and closed my accounts with them and obtained new account numbers and debit cards. Upon placing the fraud alert with Wells Fargo, I was told it would be investigated and I would hear from an investigator within 10 days days. 

Having not heard from them, I called customer service today XX/XX/XXXX at XXXX for an update where I was informed that the claim was closed by the investigator and the wire transfer was confirmed and completed. They said they attempted to reverse the wire transfer but were unsuccessful. I did not receive an answer when asked why the investigator never spoke to me and all they told me is that they would put in a request for them to contact me. As of now I still have yet to speak to a fraud investigator.

I received a call from customer service regarding my earlier call to go over the findings and was told that since the thieves authenticated using my stolen information, there was nothing they could do because they proceeded under the assumption it was me. That agent did, however, tell me that the investigation showed that the user operated using a VPN for my general area to access the online banking, and it was shown that it wasnt my usual IP identification, yet the transaction was not flagged as suspicious and continued to go through. I have set daily limits of {$5000.00} on my accounts which I assumed protected me over such a large theft, but apparently that does not apply to online wire transfers. That limit is {$25000.00}, which is why the thieves transfered {$24000.00} and not the full amount of my remaining bank account. 

When I asked the customer service agent for the information of the account or person the money was transferred to so I could include it in my police report, I was told that to protect their identity, they couldnt access or disclose that information. They put a request in for me to have that and was told someone would call me back within 5-7 business days.

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 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/2022 I received a notification from XXXX and Transunion that a late payment was reported by XXXX to my credit report. I reached out to XXXX after I've checked my bank account to verify they have received payment on time which they did. XXXX said they can't do anything about it even though I have proof on time payment. I filed a dispute with XXXX and Transunion and they both said they can't do anything about it despite having solid proof that payment was made and received on 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 non-monetary relief
Consumer complaint received 2022-11-19 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00}.

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 explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$1000.00}.

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 2022-11-19 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX  XXXX Balance : {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: Credit Karma, LLC
State: NJ

Complaint narrative:
I received a message saying that I would be approved for new credit cards. I signed in and noticed there was a XXXX XXXX XXXX card. It said that if I was not approved, I would receive XXXX dollars. I applied but was not approved. 


XXXX XXXX has wasted over 2 weeks saying they are researching. Now they are saying that I am not eligible because I applied for the same card. I did not. My card with XXXX XXXX is an XXXX. It was already showing on my Credit Karma account BEFORE the XXXX dollar offer. I feel like Credit Karma might be running a scam but it is not helping my credit when I get turned down. I would NOT have applied if I thought I would be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
my secured credit card gets a fraud just about every time I use it and this has not only caused me embarrassment and hours of time away from other obligations it has cost me monetary suffering. I made a complaint about this issue back in XXXX via phone and email but instead of getting a response and or resolution to the problem I was locked out of not only my credit card account but checking and savings account also without any valid reasoning behind this and I remained locked out from XXXX through XXXX leaving me unable to pay my bills, access my money or run my business as I was self employed. my vehicle was stolen along with my wallet and driver 's license, cards, checkbooks etc inside of it. I spent a countless number of hours sometimes up to one hour and 45 minutes at a time waiting for the fraud department to come on the line. I even went to a branch and sat in the lobby while on hold to show the staff that how impossible it was to resolve my issue if that specific department was the only one who could help me. once I finally got a hold of the fraud department and presented to them, my government issued temporary driver 's license, my social security card and even offered my birth certificate I was rudely told that my documents were unacceptable and when I asked for someone of hire authority to speak to I was told that there was no one about the fraud and security departments and that no money was to leave my account until I had received the non temporary government issued driver 's license. it takes weeks and sometimes months to get an appointment with the Texas XXXX post covid. so I had already waited weeks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: AR

Complaint narrative:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I am in need of removing the following fraudulent accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Also, you have been failing to verify to me the accuracy of the disputed accounts and yet you have been claiming the these items have been verified. You have failed to meet your responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: TN

Complaint narrative:
I got these negative items from unknown companies to show up on my credit report.

Company response to consumer: Closed with explanation