vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd

Complaint narrative:
am XXXX XXXX Explanation of my income and tax situation The receipt and transfer of money on the wise app are all operated by myself and no violations or risks On the afternoon of XX/XX/2023, wise suddenly closed my account without giving a reason, so that I could not log in to the account and did not know where the funds had gone The current balance in the wise account is about {$17000.00} Without giving the reason for the account closure, I hope it will be handled properly. 

Wise XXXX XXXX XXXX / XXXX I need your help, help me with the money that will be mine Here is the information about the company withholding my funds : Wise Payments Limited is a company registered in XXXX and XXXX with registered number XXXX. Wise Payments Limited is an Electronic Money Institution authorised by the XXXX XXXX XXXX with firm reference XXXX. 


thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
Every year around the same time of the year ( XXXX - XXXX ), ( a ) Roundpoint demands that we send them a copy of the Master Policy for our HOA ; ( b ) we send them a copy of this policy and get a confirmation of them receiving the policy ; and yet ( c ) they send us letters pretending to have never received the policy. 

The same exact thing happened to us last year and was chronicled in CFPB Complaint XXXX ( attached ). 

They are literally the only mortgage servicer we have that makes zero effort to get the master policy themselves, which is ridiculous by itself, and yet even when we provide them the policy, they claim they never received it. 

I'm not sure if they are doing this purposefully to try to force borrowers to take out unnecessary policies under the basis that they are supposedly uninsured. 

I have attached a copy of the previous complaint, the Master Policy, and the email confirmation. The proof of submission is from XX/XX/XXXX, and their letter claiming they never received it is from XX/XX/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 2023-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: IL

Complaint narrative:
This is in regards to Sallie Mae : Working with that private lending company, I XXXX XXXX and was in a Forgiveness program for a yearduring that year I received a job in my career field. I called the company to see if I can lower my monthly payments because 1. ) I have a mortgage to pay 2. ) I have a child on the way I need to pay for 3. ) they expect me to pay {$1400.00} a monthly for my loans. I talked with the company to see if I can get it lowered with my income to Bills/debt ratio and they told me no. Ive tried everything and they will not lower my monthly payment. Its going to make me lose a lot in life. I can not physically afford to have a child or a home due to these monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Due to Covid I fell behind on my payments which I had a good payment history with Bridgecrest prior to Covid and getting sick 3 times with the virus. 
I called to ask Bridgecrest for assistance. Instead of lowering my payments or deferring them, they pushed the payments to the back of the loan. 
My car was repossessed around XX/XX/2023. I had to pay {$1100.00} XXXX and Bridgecrest made me pay once a month instead of biweekly on the XXXX and threatened that if I missed a payment they would repossess my car again. 
I never received any documents regarding the repossession. 
I was sent an email after I made mention of no documentation regarding the repossession. 
I never agreed to change my biweekly payments. 
I feel I was forced under duress concerning the terms of receiving my vehicle back from the company.

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I booked a round trip XXXX XXXX  through chase travel XXXX and charge it to my chase card. When I went through the booking process, it said economy which includes a free checked bag for the flights and even now in chase app, it shows economy. Ive attached s screenshots of the chase app where it clearly also says economy. When I checked into my flight with XXXX, it said basic economy which requires a {$35.00} fee for each of the flights. When I called chase, they said it was booked as basic economy. This is very misleading, as during the process of booking, it was identified as economy. I just now checked the receipt sent to me after payment which says basic economy, but when I booked it said economy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I requested a new XXXX  XXXX Bank of America XXXX in the middle of XXXX of XXXX, the card was never received. I called inquiring why XXXX XXXX received my card in the beginning of XX/XX/XXXX and found out the card sent but just left on the porch out in the open by whichever delievery carrier was used. Upon calling Bank Of America and requesting an additional card requested to be sent I was informed the previous card was acrivated and my funds were drained out of my account with fraudlent unauthorized transactions. Upon successfully receiving it after the first failed attempt I tried to activate the card for I can gain access to my online mobile transaction history I was informed my account has been frozen. This is ridiculous that funds can be fraudulently taken out of my account and when I try to get it resolved they freeze my account after filing a claim for the all the money that was fraudulently stolen from my account. The claim was filed on a Friday XX/XX/XXXX and then claim was denied by the following Monday on the XXXX of XXXX. I truly don't see how they could or properly investigated the unauthorized activity and to have a decision of denial like that. I'm clearly not the only individual that has had this issue due to the class action suit that has been filed against Bank Of America. No proper action wad taken by Bank Of America because they denied and put a block on the account that said couldn't be removed 3 days after I filed the claim regarding the fraudulent activity. After receiving mail sometime in the first week of XX/XX/XXXX, stating {$6.00} in fees was deposited into my account ( which was false ) I called and was told my claim yet again is being looked into which is why I'm filing this complaint to hopefully finally get the resolution that I rightfully deserve.

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 2023-08-15 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:
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.

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
Consumer complaint received 2023-08-15 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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: NY

Complaint narrative:
I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which are reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX  XXXX & 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 2023-08-15 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: CT

Complaint narrative:
As os XX/XX/2023 my student loans have been discharged by the department of education on the basis of my total and permanent XXXX. 

I do not have any student loans therefore, I would like them removed from all credit bureaus/ or show a XXXX balance

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 2023-08-15 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
As os XX/XX/2023 my student loans have been discharged by the department of education on the basis of my total and permanent XXXX. 

I do not have any student loans therefore, I would like them removed from all credit bureaus/ or show a XXXX balance

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 2023-08-15 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: IL

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX and XXXX XXXX has violated my rights.

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.

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 2023-08-15 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: IL

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX and XXXX XXXX has violated my rights.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
From XXXX to wellsfargo allowed identity theft and because of this and being ignored about this issue when reported to credit bureaus and XXXX XXXX etc.. now there's XXXX accounts that were charged off on my name and credit. I'm in debt to almost {$16000.00}. 
They keep giving me the run around.

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 2023-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently checked my credit report and noticed some inquiries I did NOT approved nor know how they got there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK OF AMER XXXX XXXX XXXX XXXX BK OF AMER XX/XX/2022 by XXXX I also contacted right away the credit bureas and also the banks and they could not find anything so obviously it is a wrong reporting that is affecting my credit worthiness as I am getting ready to purchase a house. 
I need this error to be removed immediately. 
Thank you

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 2023-08-15 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: MA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 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 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 2023-08-15 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My husband a XXXX XXXX Veteran and I have a mortgage with New Rez Mortgage. It is up to date. NewRez Mortgage has asked for a copy of our homeowners insurance policy. We have faxed it and mailed it 4 times. Our Insurance agent has sent the information.They refuse to acknowledge receipt of this information I have called New Rez to ask if they have the information and they said yes. And they continue to send threatening letters that they will buy insurance for us at a high rate if we don't send a copy of our policy. It has been sent 5 times and they refuse to acknowledge receipt of the information. I am XXXX XXXX XXXX and I get chest pains each time a letter arrives. I don't know what to do. No one will help us. New Rez will not give us a street address to send the information certified. They will not allow me to speak to a manager. No one will help me and I don't know what to do. Now they are sending Letters with XXXX XXXX saying they are going to buy insurance for us at a high rate. New Rez needs to acknowledge the i insurance we sent. It has our ID number on each page. And it costs us money to fax and mail to their XXXX XXXX XXXX I don't know what to do and I am scared. Please help make them read the information we sent. Thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
Monday XX/XX/2023 apply for a line of credit XXXX and was denied credit. I feel they didn't give me credit because maybe low score or income purposes..which is q violation of the equal credit opportunity act.for discrimination of some sort

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief