vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was put into forbearance due to hardship loss of job during covid and also illness - I was told that the payments would be put at the back of the loan at the end of the forbearance and now they are demanding the TOTAL amount at once or they want me to do a short sale or a foreclosure If I was dealing w a hardship how would I miraculously come up w 12 months of payments if I wasn't working in the first place? This feels like a scam

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 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have an established link between Chase checking account ( XXXX ) and XXXXXXXX XXXX account ( XXXX ) and have done 3 online transfer from XXXX to XXXX on XX/XX/2023 {$190.00}, XX/XX/XXXX  {$440.00} and XX/XX/XXXX  {$100.00} successfully. An transfer of {$2500.00} was also processed from Chase XXXX to XXXX. But on XX/XX/, the same transfer from XXXX to XXXX for {$420.00} was rejected without any reason given ( see attached ). When I stopped the branch in XXXX XXXX, AZ, XXXX had no response. When I asked for more info online. I was given this : " Your funds transfer could not be completed because it needed your verification. '' I WAS NEVER ASKED FOR ANY VERIFICATION. IT WAS THE SAME PROCESS AS THE OTHER 3 TIMES! 

Not only that, I discovered on XXXXXXXX  that Chase DELETED the very account i question-XXXX. I have to RE-ESTABLISHED the ACH link again ( see attached ). 

this is wrong advertising. Chase CAN NOT DO external transfer and WILL NOT provide a valid answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Hello Sir, Today XX/XX/2023, I received the final resposne from Wise after complaining through your platform. Their response is similar to what they provided to me on XX/XX/2023. Today they just added some TOS. In their previous final response, they didn't mentioned I was a victim of a scam and I forwarded that complaint to XXXX XXXX amd XXXX XXXX didn't upheld the complaint due to wise lack of information which they provided now. But, XXXX XXXX has said to me now, they will not consider the same complaint. Wise again waisted my 1 month of time from XX/XX/2023 to XX/XX/2023. And previously they waisted my time from XXXX XX/XX/2023 to XXXX XX/XX/2023. And they didn't do anything or reveal where my money goes and how to recover it. Now, they are saying I am a victim of scam and now I can recover those money after 14 months? Here Wise shows professional negligence. 

Sir, I am a XXXX XXXX. I am XXXX XXXX and I can't do day-to-day work. I haven't been able to see doctors for due to lack of money which I lost on Wise platform. I have asked wise so many times from XX/XX/XXXX to recover or reverse my transections and asked them before moving my funds there on my Wise account. But, Wise didn't do anything to safegurd my money when XXXX XXXX is transferred to another Wise account name " XXXX ''. I didn't authorize those payments and my account logged in from a different country. I don't have this kinds of large funds transfer previously, which Wise should have detected. 

Sir, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sir, I will not be able to bear this pain anymore. If I knew this could happen to me, I would never-ever transfer my funds to Wise. Sir, I am an XXXX XXXX  and those were my only fund left which I have been looking to get reimbursed for the last 14 months!!! 

I have a XXXX XXXX and we don't have any health insurance or govt. helps which can support me to see a doctor. It was hard earned money of me. I am needy person and from XXXX XXXX XXXX. I really don't know how this happened. 

Sir, I with this XXXX XXXX  and XXXX and tension for my lost money, XXXX XXXX XXXX XXXX. I am unemployed. 

Wise attached a transection history where it shows my money goes to XXXX XXXX XXXX XXXX. I don't know anything about this. My money goes to another Wise account holder named " XXXX ''. I am not technically sound to understand this and I don't have any family member or support to discuss this. 

XXXX XXXX said they will not consider my complaint again. Sir, where I will now refer my Wise second final response to?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo on XXXX XXXX because the agent told me they had the overdraft is enabled and it allows transactions to go through and Ive been charged {$35.00} over 5 times. 

XXXX XXXX - XXXX overdraft fees XXXX XXXX - XXXX overdraft fees I asked Wells Fargo to stop allowing transactions because theyre profiting off the overdraft fees and never allowed them to approve these transactions if theres no funds inside the account

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 2023-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I was unable to make a payment to XXXX XXXX, because of a " data breach '' with Mr. Cooper Mortgage Company. Now Mr. Cooper reps are saying everything is fine and if your data was leaked they will send me a letter. I need to know what data was compromised and what kind of attack it was. They will not say if it was a " zero day '' attack or ransomware etc. 
I'm just supposed trust they won't get hacked again, after I already trusteed they wouldn't in the first place? 
I do not know what I need to do to mitigate any risk on my end because the company will not tell it's customers what happened exactly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My complaint is regarding PMI and equity in my home. I had an appraisal done and learned only after that Fannie Mae requires a separate appraiser although the steps for the appraisal are the same to prevent bias. My house is valued enough to remove PMI! 

I spent roughly {$700.00} for an appraisal. The 3rd party came out did their part, did their research and supplied a report. I'm continuing to pay PMI despite my home evaluation coming back at $ XXXX. 

I purchased my home at $ XXXX and I have $ XXXX left to pay on the loan. I want to remove the PMI to reduce my monthly mortgage payment. 

I was told that after the appraisal - I could request the removal of PMI required by law. Then over the phone I was told that Fannie Mae requires a separate appraisal that comes with another fee!! 

I'm requesting help and support on this matter. Is there someone who can offer support?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: AL

Complaint narrative:
I ordered a new card and canceled the one ending in XXXX. Chime sent a card and activated it. I reported I did not receive the card and CHIME claims the card was deactivated, however, the virtual card did not change on the app, which means CHIME did not deactivate the card and a new card with a different account number was not issued. I reported the new card lost ; I did not receive it. CHIME issued a new card and both cards were supposed to be in the mail. However, I checked the mail, and the card was not there. My conclusion, CHIME is issuing cards and activating them for criminals to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted this bureau a total of five times. They were contacted on XX/XX/XXXX  twice, Once on XX/XX/, once on XX/XX/23 and finally on XX/XX/. 
Every time I called, my request was the same. I asked this bureau to remove the comments from an account. To date, the comments still remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX is reporting XXXX late payments in the payment history on my credit report however it reading XXXX late payments on the same account. This is inconsistent and a violation of the FCRA on my behalf to report false inaccurate information.Ive attached a screenshot below for reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS NOT MINE 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 I DONT RECOGNIZE THESE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sa-Vit Enterprises, Inc.
State: TX

Complaint narrative:
I have unauthorized inquiries and fraudulent activity on my credit report. Inquiries are 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 XXXX XXXX XXXX XXXX 15 US. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theftif Please delete these items IMMEDIATELY?

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT. As a consumer all accounts listed deleted IMMEDIATELY! XXXXXXXX XXXX XXXX XXXXXXXX, SAVIT COLLECTION AGEN 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 2023-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LoanCare, LLC
State: NY

Complaint narrative:
I was in the process of procuring a partial claim with LoanCare. Loan Care stated they did not receive my paperwork, even though I received a letter from them saying they did. Loan Care referred my loan to their attorney, who in turn filed a foreclosure action on XX/XX/. Prior to the foreclosure action being filed against me, I had listed my home for sale, and it was under contract as of XX/XX/. I let the attorney for LoanCare know this on XX/XX/, and the attorney for LoanCare indicated they were told by their client to file the foreclosure action anyway. Because of this, the payoff on my loan is now almost {$20000.00} more than the principal balance, and I can not close on the sale of my home. LoanCare never sent me a notice saying they were putting me info foreclosure. I only found out about it when I called LoanCare to get a payoff figure for my loan at the end of XXXX. 
I am now in foreclosure and have been threatened a breach of contract lawsuit against the would be buyers of the house, since I can not close due to lack of funds. 
No one from LoanCare will return my calls. I have called XXXX XXXX and XXXX XXXX in the Office of the Customer and left numerous voicemails. I have sent emails to XXXX as directed. They simply will not respond. My real estate attorney has requested information and they refuse to cooperate. I'm at a complete loss and this is financially ruining.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Financial Services continues to violate the law claiming that the information they are furnishing is 100 % accurate and complete, when in fact it is not the case. Again, caught in a lie, I have uploaded the document where they show the balance that is owed. The amount owed on their invoice shows XXXX but on my credit report with XXXX it shows {$9200.00}. Clearly, they are not reporting 100 % accurate information, and I demand that they remove the account immediately from my credit report. They continue to play around and justify their incorrect reporting, but it seems that recently toyota got caught misreporting and tarnishing people 's credit report with incorrect information, straight from the cfpb website. 

https : //www.consumerfinance.gov/XXXX Specifically : Furnishing false data to consumer reporting companies : Toyota Motor Credit falsely reported customer accounts as delinquent for failure to make monthly account payments even though customers had already returned leased vehicles, and the company did not promptly correct the negative information it had sent to consumer reporting companies even though it knew it was wrong. Toyota Motor Credit also failed to maintain reasonable policies and procedures to ensure payment information it sent to consumer reporting companies was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that appeared on my credit report. Despite my multiple attempts to address this matter and seek resolution, I have yet to receive a satisfactory response from your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Skopos Financial, LLC
State: NH

Complaint narrative:
I paid off this loan on XX/XX/ with a mailed check. I called one week later, because by the time they cashed the check they withdraw the monthly payment from my bank, so it was an overpay of {$190.00}. The woman told me that they will reimburse me the amount with a check within 30~45 working days. 

I called back on Wednesday XXXX checking about the check and the payoff letter that never arrived. The another womand told me the check was issue on XX/XX/XXXX and should be arriving anytime soon. And apologizes for the delay and the payoff letter will be sent to my email for faster service. She confirmed my address along with my email. 

I never got neither one and called back again this Monday XXXX. Also I noticed my credit report hasn't been updated. I talked with a man and apologized for the delay and a lot of blah, blah, blah. He confirmed again my address and email, and told me someone will be calling me within 24 to 48 hours. Neither the letter is in my email or somebody called me. 

And I started to worried they are some type of con business. I got proof of my payments and the names, date and times of the persons I talked to.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-22 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I was charged for a service I was suppose to get XX/XX/23 in XXXX of this month of {$520.00}. 
The vendor did not provide me service. As I had paid for her to come to me and do my hair and make up. She was not able to do this because her car broke down. I was alone with XXXX kids XXXX who has a XXXXXXXX XXXX I did not feel safe traveling to her home, she said she worked out of her home, not a business alone with kids and a child with a XXXX XXXX 
On the contract I paid {$150.00} extra for her to travel to me and she was not able to this due to her car issues. This was a breach of contract.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I bought a XXXX XXXX  in XXXX, brand new with a 20 year XXXX mile warranty. Car had catylic converter replaced twice. Knocking sound started in engine around late XXXX, XX/XX/XXXX. Tool car to dealership in XXXX Ga. I was told it had a recall in the engine. I was asked to fax my maintenance records. I did so. They refused to go or warranty, leaving me to drive the vehicle till engine stopped. The vin # XXXX My vehicle was included in a class action lawsuit for the engines in these vehicles. 

https : XXXX XXXX XXXX  actually owes me money, yet they place negative information to XXXX, XXXX & Equifax as a bad debt, collection, charge off with a almost {$8000.00} balance. I the consumer was frauded by XXXX XXXX and I'd like for this to be removed from my credit reports. I have screenshots of mail I was sent by XXXX XXXX involving my vehicle in this class action lawsuit. Please investigate. Veteran of the armed forces. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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