vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I applied for a mortgage with Wells Fargo Bank on or about XX/XX/XXXX. I originally applied with my mother being on the loan. I was told that we didn't have enough assets in a letter I received dated XX/XX/XXXX by XXXX XXXX XXXX. I was also told by XXXX and XXXX XXXX that the down payment would be XXXX using a conventional loan and then XXXX using the VA. However, the automated system that comes from Wells Fargo to my online banking stated, that the estimated down payment would be XXXX. XXXX XXXX told me that because I was attempting to by an investment property the down payment is doubled. The property that I was interested in buying is a multi-family home however, I would live on one-side and my mother on the other as our primary residence. I asked repeatedly how much was left from my VA entitlement, and XXXX would not say. He kept telling me that it depended on the under writer. I fussed at him because I was totally upset at this point and knew that he was intentionally withholding information. When I asked him to do an application by myself he claimed I didn't have enough assets and estimated my assets to be {$23000.00} and told me the only way I could do anything would be to sale my condominium. He even lied and said I checked on the application that I was selling my condominium when I would have never did such a thing considering I just started renting that property this year in XXXX. Later, when I finally received the denial letter on XX/XX/XXXX. The denial letter didn't include my Mother as co-borrow, and I never received a notice from Wells Fargo showing credit scores used to determine approval or denial. My grand-daughter looked at the denial letter and determined it was fake! The three main pages of the denial letter were generated are watermarked by XXXX. I have been a member of Wells Fargo since XX/XX/XXXX and have never seen documents watermarked by XXXX. On the document it states that the denial was decided on XX/XX/XXXX and I believe this is either the day I applied or the day after. However, I received the denial letter XX/XX/XXXX which has an assigned loan number. The requested loan amount on the denial letter was not any amount I requested. The requested loan amount on the denial letter was {$480000.00}. The grammar throughout the letter is inaccurate. The bottom of the pages of the same denial letter have different dates and different years. Above the delivery address it shows a file named XXXXDeclination as a file name nothing stating Wells Fargo except the sending address and blurry black and white logo. After I started asking questions and revealed that I was suspicions of XXXX my entire loan application was removed from Wells Fargo online banking on XX/XX/XXXX. Please assist me with this matter. 
matter.

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 2022-09-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This is an " American Express '' Gift Card that was given by the employer as a reward for an amount of {$2500.00} Unfortunately, American Express does not allow for a security code that I can create to protect the card information in case if it got compromised. 

I just noticed online transactions when I logged in to the GiftCard web page that I didn't make ( from XXXX, XXXX... ) when I called American Express for resolution, they said that I can not dispute charges on an American Express card, they deffer me to XXXX so I can make my request to dispute those charges hoping that they will reimburse those amounts to the gift card then I can call American Express and ask them to transfer the fund to another new card and mail it to me!!! 

I am pretty confident that I never handed the gift card manually and I used it myself at the XXXX at the stores. 

So either American Express got hacked where the gift card number ended up in the wrong hands making unauthorized charges or maybe one of those stores where I made purchases at the POS they got hacked and the gift card number was exposed somehow, but regardless, I feel that American Express as a big company should do better and ensure or give the option for these gift cards to be protected by a PIN number just in case if the card got lost or compromise, it can't be used so easily!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: GA

Complaint narrative:
My student loan is with Sallie mae. On XX/XX/2022, I was put into a loan program and I have been making payments for 2 months. Today on XX/XX/2022, I was told that they were going to force me to pay more which I can not do and the payments they took didn't help my account now I am past due to a mistake made on Sallie Mae 's end. During this time i received a large amount or harassing calls which Sallie Mae told me to ignore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: IL

Complaint narrative:
I was not given the loan terms when I applied for a {$1200.00} loan, then I was charged 653 %. I immediately notified MintoMoney to cancel my loan as I did not agree to the 653 % loan. I was than still forwarded the money after i told them i was not interested. The company began withdrawing money from my account weekly. I tried to ask for a buyout amount and they said i now owe over {$4000.00}. I need help as the company is not harrassing me and calling constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: World Acceptance Corporation
State: AL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX LATE PAYMENT Balance {$30000.00} Updated on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XXXX XXXX I applied for a product to see if I could use my SSN since I have not used it is since XXXX  when I bought my car.I have been a victim of fraud and identity theft since XXXX XXXX with a change in my identity with my daughters SSN that was given to me back then.After applying for the product on XXXX XXXX I was the only one that had my password to unlock and unfreeze my credit report.On XXXX XXXX my credit report was unlocked, locked.frozen, and unfrozen 6 times which it was not me because I had already applied for the product on XXXX XXXX, so who went into my credit report on XXXX XXXX to do this suspicious activity.On XX/XX/XXXX I contacted Experian about this matter received an email from Experian and the case worker that was handling the case on XXXX agent name was XXXX which XXXX have not received a response from her in this matter case number XXXX XXXX XXXX I called to see why I have not gotten a response from Experian in this matter the agent I spoke with did not get her name she indicated that the system did that on XXXX XXXX, which I know I did not unlock or froze my account on that day because it was already done on XXXX XXXX, when I applied for that product since I had not use my my SSN in about 4 years since I bought my vehicle in XXXX of XXXX means that if it was Experian XXXX means that their is a Data Breach within their system that occurred on XXXX XXXX, which the called I made on XXXX XXXX at XXXX p.m. when the agent indicated that the system had generated that on XXXX XXXX have been through to much with credit bureaus changing my identity within their system without my consent. The agent that is handling the case is XXXX XXXX ext XXXX.The call I made to get in contact with Experian is XXXX XXXX which was made on XXXX XXXX that when the agent stated it was their system that locked, unlocked, froze, and unfroze my credit report on XXXX XXXX I only did it on XXXX XXXXI uploading where I unlocked and froze my credit report on XXXX XXXX and someone or their system as the agent indicate on XXXX XXXX 6 times one is missing on the upload because it was archived.

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 2022-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
A JC Penny credit card was opened in my name without my notice on XX/XX/XXXX. For some reason, payments were not made in XXXX and XXXX of XXXX. When the issue was brought to my attention, I quickly made payment and requested that the account be closed with immediate effect. Unfortunately, the late payment was report to the credit bureau on XX/XX/XXXX even though I was clear that I did not open the account when I had made the payment. 

I will appreciate it if this mistake can be corrected and deleted from 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 2022-09-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-01 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: NC

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
XXXX XXXX ( XXXX  # XXXX ) with Rocket Mortgage cold called me after noticing my credit had been pulled to request that I apply with Rocket Mortgage. Over the phone, we completed a general app to learn terms/fees/etc. Afterwards, I decided I would prefer to work with someone local, so did not plan on moving forward with the company. 

A few days later, I missed a call from XXXX XXXX. Afterwards he sent an email scheduling a follow-up call the next week. I responded to the email indicating I was not interested in working with Rocket Mortgage at this time, and that he could withdraw my application. 

The following week, I missed a call from XXXX XXXX again. Another scheduling email was sent to me, which I responded to indicating again that I was not interested in working with Rocket Mortgage. XXXX XXXX text my personal number quickly after requesting I call him to answer some question. I responded no. I received another email after that, requesting my agent information so that he could add it to my profile. I replied indicating that he should not contact me anymore or I would be filing a complaint. Shortly after, he emailed and text my personal number again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau Equifax and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Equifax supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Equifax can take those innacurate inquiries ( XXXX XXXX XX/XX/2022 ) ( XXXX XXXX, XXXX  ) that are hurting my credit score and I cant take a home because EQUIFAX is refusing to remove information that is not mine AND they never responded the register letter I sent to them and they forcing me to provide them with extra information when I feel that after identity theft I can not give them nothing after they had leak for my information already so please help me ask them remove those inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: GA

Complaint narrative:
I have been attempting to get my file clear of this fraud that has been lingering for too long. 
Recently : There has been someone who use my identity to fraudulently apply for apartments ive noticed and the three credit bureaus should have seen that i live in an entirely different state. 

The followng accounts are all fraud and need to be investigated and removed. 

XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2022-09-01 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: GA

Complaint narrative:
I have been attempting to get my file clear of this fraud that has been lingering for too long. 
Recently : There has been someone who use my identity to fraudulently apply for apartments ive noticed and the three credit bureaus should have seen that i live in an entirely different state. 

The followng accounts are all fraud and need to be investigated and removed. 

XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I came across one account two inquiries and two addresses that i do not recognize and was use without my knowledge Account : XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I came across one account two inquiries and two addresses that i do not recognize and was use without my knowledge Account : 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
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was a victim of theft on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My cell phone, credit cards, debit cards, driver 's license were all stolen. I filed a police report with the XXXX XXXX Police Department and immediately contacted all of my banks and credit card companies. 

After reporting this to Bank of America, for 3 to 4 days they still allowed unauthorized users to get into my online checking account and transfer money out. 

I explicitly asked Bank of America to remove my mobile number from my account as the unauthorized party was using the SMS text message authentication to continue to login to my account over and over. Bank of America assured me the phone number was removed off the account and they had locked the online banking. The unauthorized party was still able to login to my account. 

The following debits on my checking account have had their fraud claims denied by Bank of America : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital one denied me auto financing through XXXX XXXX on capital one website stated that decision was final unless I exercised my rights under consumer law.

Company response to consumer: Closed with explanation