vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I attempted to refinance my mortgage with Wells Fargo. The payments are up to date, just trying to lower the rate. 

After 4-5 months and numerous emails, phone calls back and forth for information, I got XXXX in mid XXXX. I wrote an email to the person handling my refinance application and told her to give me 2 weeks. They wanted a form regarding my living trust that owns the house. On XXXX XXXX, XXXX rec an email stating my lock on the rate was extended to XXXXXX/XX/XXXX Before this I sent them the info they had requested but when I called to inquire, I was told the supervisor had closed the application in early XXXX since I had not responded. They said the supv had not seen my email about the XXXX and there was nothing I could do. I asked they return to monies paid for the appraisal and they refused. I spoke to their management office about this. I was called back and they said they could not help me, even though he had seen over 100 emails to and from the bank over 4 months. By coincidence I have spoken to several other people that have had the same long and drawn out experience with the bank. The bank requests the same documents over and over, they draw out the process after you have paid for the appraisal. No one ever gets their money 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 explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank lowered my credit limit to {$500.00} from {$700.00} on XX/XX/XXXX as the letter stated. At that time and even now, I have never been late with paying on that credit card. After I called to resolve the issue, the agent would not even tell me why my limit was lowered and I had to search my email for the reason. The agent also told me there was nothing that could be done to get my previous credit limit back accept run my credit again to see if it would be approved. The agent ran my credit again and I was denied to get my original credit limit back or anything higher

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 2021-12-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/21 is fraud happened XXXX lost money from checking account from Bank of America, XXXX, XXXXXXXX XXXX XXXX  I don't have any account with those organizations.

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
JP Morgan Chase was not able to help me when I specifically asked to change my payment due date and also reduce the monthly amount since I am unemployed  due to Covid. I was told to call back in a few days by representative named ( XXXX ). He also mentioned to me that all my monthly payments have been made on time so he wasn't sure why the account was sent to the creditor as delinquent account. He suggested to call back to remove the late payment inquiry. I also requested to provide any evidence that shows that invoice/Bill was sent to me. I also mentioned to him that I monitor XXXX regularly and it shows that all the payments have been made on time. 

No resolution at the end of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting the following medical debts that have not been validated and updated with the company name or contract information. I don't know 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay.

I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX XXXX {$120.00} Account No. XXXX Amount {$0.00} Account No. XXXX XXXX {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
I obtained a mortgage from XXXX XXXX in the amount of XXXX on a propert valued at XXXX which was appraised by XXXX knows properties, an affiliate of XXXX XXXX, in XXXX of 2020. It was then transfer to specialized Loan Servicing. I contacted specialized Loan Servicing to find out why I was being charged pmi when my loan to value was only 35 %. They told me they would send me a letter that would explain the pmi and how to remove it and it would take about a month to receive. I never received the letter so I called them back after about 3 months. They proceeded to tell me that the reason they denied the removal of the pmi was that my loan to value was 92 % even though according to their own appraisal it was much lower than that. I asked the person how to fix it and he said he would send me a letter explaining how to get the PMI removed which of course will never get sent out or will be denied just like the last time they supposedly sent out a letter.

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 2021-12-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am distressed that Equifax have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment Account XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Also why is this account status saying that it is opened? This account is closed and have been since XX/XX/XXXX, but your company ( Equifax ) is reporting that its still opened which is very odd. Also last payment for this account was made on XX/XX/XXXX, so how it is possible your company ( Equifax ) have payments showing for year XXXX reporting on my current credit report? Why did your company ( Equifax ) delete last payment date & last date active? Everything about this item is puzzling and needs to be removed Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I will sue your company for failing to report inaccurate information and damages caused by your company! You are in violation continuing to report! 

In this complaint accompanies a copy of my current credit report showing proof of the inaccuracies reporting on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
At the closing signing on XX/XX/2021 I was charged a {$1200.00} fee for a rate lock extension. This fee was not present in previous hard copies of the closing documents and during the closing process I spoke to different agents but there was still confusion so Caliber Home Loans said " it would honor our original agreement '' and reimburse me the {$1200.00} fee and that the agent would help me obtain that reimbursement and I still have not been reimbursed and I have followed up many times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank Executive Office XXXX XXXX XXXX XXXX XXXX, OH XXXX Referenc number XXXX I decided not to let go of the case. 
I reported the case to the Police and the prosecutor 's office on XX/XX/XXXX in XXXX. 
XX/XX/XXXX Police initiated an investigation referred to in art. XXXX couple. 1 of the Penal Code. 
I'm requesting a rebill reconsideration. 
I send the required documents and their translations into XXXX. 

Please contact me only via e-mail XXXX or by mail. 


Best regards XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: FL

Complaint narrative:
Charged for unspecified services. Attempted to contact company in writing three times to dispute the charge and ask for an explanation. No response to my letter. Taken to collections after 3 months. No attempt to contact me about the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was trying to sell a XXXX XXXX XXXX  on XXXX for my mother. On XX/XX/21, the buyer XXXX XXXX said he would send me a cashiers check. He then texted me saying that his accountant accidentally included his daughter 's allowance in the check and if I could send the extra money to his daughter and for me to keep an extra {$50.00}. I was asking {$110.00} for the jacket. The check he sent was for {$900.00}. When I got the check on XX/XX/21, I asked how can I send his daughter the difference. On XX/XX/21, he sent his daughter 's XXXX account info as XXXX Name : XXXX XXXX. I sent {$740.00} to that account. The next day on XX/XX/21, he texted me saying that his daughter does not want the jacket anymore. He requested me to refund the rest of his money and for me to keep {$20.00}. He gave me another XXXXXXXX  account XXXX Name : XXXX XXXX. I sent {$140.00} to that XXXX  account. I talked to XXXX XXXX XXXXXXXX on XX/XX/21, and they told me that there was a hold on the check he sent me. I have reported this case to my local police department, XXXX, XXXX  XXXX XXXX, and XXXX. Is there anything that can be done to escalate the case and recover my funds? 

Another case I'd like to report. 
Today on XX/XX/21, my mother wanted me to contact XXXX  customer service to resolve some fraudulent activity from my account. She found the number for XXXX customer service from a XXXX search. The person on the phone said his name was XXXX XXXX and that he would help get my money back from some previous transfers. I just have to follow his instructions. He had me download an app called XXXX. I followed his instructions. Then, he told me to open the XXXX service on my XXXX XXXXXXXX XXXX app. He said he was going to freeze my XXXX account. He provided me a phone number XXXX. A name with that phone number popped up- XXXX Then he told me to enter XXXX on the next screen and to click continue. The next thing I know I am sending {$490.00} to this number. He said my account was frozen and that I had to follow these instructions for verification. Then he had me download a XXXX app and XXXX XXXX from the XXXX XXXX XXXX. Then he told me to go back to the XXXX  account and repeat the process, but this time to enter XXXX. So the same thing happened again except this time I am sending {$490.00}. It sounded pretty fishy. So I later hanged up the phone. Is there any way I can get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
History : I had instructed Citizens Bank and asked them to remove all the overdraft facilities back in XXXX. In XXXX they activated the facility without my knowledge and there were charges. I made the complaint back then and only they refunded the amount. 

Summary of your complaint made back in XXXX : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Current Issue : Similarly, Citizens bank has activated an overdraft facility on the pretext of preauthorized debit this time and charged me {$280.00} over the months of XX/XX/XXXX and XX/XX/XXXX. 
I called the bank customer service but they said they can not do anything except refund me {$20.00}. They try to reason it saying it's because of the preauthorized debit but the charges clearly say its overdraft fees on the statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are some inquiries on my Transunion credit report that I do not recognize and I believe they are due to identity theft because I did not make them or authorize them. 
Here is the following that is on my credit report that I did not make : XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX  XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XXXX  XX/XX/2021 TransUnion XXXX XXXX XXXX  XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XXXXXXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion

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