vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION
State: NM

Complaint narrative:
Sallie Mae offered loans to an off shore XXXX XXXX school called XXXX XXXX University  XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX has their admission office and financial aid office in XXXX Tx. They have partnerships with XXXX University and XXXX XXXX XXXX XXXX XXXXXXXX. This school uses these partnerships to provide calm to worries about accreditation even though they were rejected from XXXX in XXXX XXXX. I was an unfortunate victim of this school as well as XXXXXXXX University and Sallie Mae. XXXX accepted me after they pressured me not only for a seat deposit, but for admission requirements to be completed ASAP and were demanding. They accepted me into their pre-med program stating I would get a degree. I found out later this was not accredited as a program and was given a printout of a certificate which held no value. This is when XXXX introduced me to XXXX University  because " it would be hard for me to become a Dr without an undergraduate degree '' XXXX then offered students of XXXX reduced tuition because of their partnership. They encouraged me to take out the maximum I could on loans and grants through the federal govt to use the remainder for XXXX who did not offer private loans and does not qualify for federal loans. Soon after having to start at XXXX and spending over thousands dollars at both schools, XXXX had a partnership with Sallie Mae. Sallie Mae was quick to offer a XXXX XXXX dollar loan and then cancel their partnership with the school but not offer loan forgiveness. These institutions have crushed me financially and I believe these practices are fraudulent. After all why would a private loan lender who has been in trouble in the past for predatory lending, offer loans to a unaccredited, non federal funding eligible institution with such a low graduation rate. Why would XXXX University  offer these programs in the XXXX to XXXX  students who they know have no other option. I would have never gone to these institutions if it were not for deceit and lies that I unfortunately believed because I have never needed to question a School let alone a XXXX school with US affiliations and partnerships with pretty big universities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: CA

Complaint narrative:
XXXX XXXX XXXX have agreed to delete their account from my credit back in XXXX 2021. Please see the attachment OR see the results to my previous claim with the CFPB. Experian is the ONLY bureau to not have updated this information yet. Experian needs to delete XXXX from my credit reporting asap! I have attached a copy of my Experian report as proof as well.

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 2022-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Data Mortgage Inc.
State: WA

Complaint narrative:
This is my second complaint to the CFPB. Yesterday I was told and assured by Essex Mortgage company my issue ( s ) were resolved, today I come to find out they were not even close to being resolved so that we could close on our refinance loan. Our XX/XX/XXXX property taxes were neglected to be paid by Essex Mortgage. Stated yesterday XX/XX/XXXX that the property taxes were paid in full including all taxes and fees in the amount of {$4900.00} to the XXXX XXXX XXXX XXXX on Friday XX/XX/XXXX. XXXX XXXX with Essex could not provide an actual receipt but provided us and our lender an email receipt so that we could close our refinance loan. This morning I received a phone call from our lender stating the county has NOT received our property tax payment and in fact the second half payment Essex attempted to pay back on XX/XX/XXXX through XXXX was not able to be applied to our account because the first half of XXXX property taxes were not paid in XXXX of XXXX. XXXX XXXX sent correspondence to Essex through XXXX and they completely disregarded it. This is maddening to me to learn that the county tried to help me and my own mortgage lend once again had complete disregard for their customer. This shows the entire situation could have been resolved BEFORE we ever began the refinance process back on XX/XX/XXXX. So here we are a day closer to the end of the month of XXXX, another day wasted in our ability to close our refinance all because Essex Mortgage has been deceptive once again and not done what theyve said they had done in paying our property taxes to current IMMEDIATELY in the amount of {$4900.00}. It seems like the only way I am able to get any return of communication with Essex is to submit a claim thru the CFPB which is pathetic a complaint has to go through the government before a company will even respond or act on an error they have created.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NE

Complaint narrative:
A loan agreement was made in XX/XX/XXXX and the attached repayment schedule is what was agreed to. This loan was transferred to Nelnet, from XXXX, in XX/XX/XXXX and now it appears we are paying over {$5000.00} more than originally agreed upon. At no point did we agree to any repayment changes nor did we ask for the loan to be moved/changed. I understand there were to be graduated increases, but what we agreed to and what we have paid are NOT even close. 
Additionally, no one at Nelnet can show me why this would have changed and XXXX no longer exist. Note that we have also been turned down for the Gov't student loan forgiveness program even though I've been a Govt employee for XXXX years This WAS a Gov't backed loan, we never asked for it to be moved/transferred, so I don't understand why I wouldn't qualify and No one can explain it to me? 
The final payment dates are the same on both of these schedules, yet I am paying substantially more than originally noted. So why wouldn't it be paid down sooner???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I originally had an auto loan for a XXXX XXXX with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from XXXX XXXX due to the vehicle having been declared a total loss. XXXX received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, XXXX failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff XXXX provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX XXXX reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, XXXX charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be 30,60,90 days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I originally had an auto loan for a XXXX XXXX with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from XXXX XXXX due to the vehicle having been declared a total loss. XXXX received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, XXXX failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff XXXX provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX XXXX reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, XXXX charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be 30,60,90 days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had over XXXX taken out of my account without my permission or knowledge from my personal account and XXXX taken out of a business account. I called the minute it was discovered. They took my information told me I would hear in 10 days. I called 2 weeks later and was told they had denied me and would not be helping me at all.

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 2022-01-25 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: TX

Complaint narrative:
Found several inquiries on my credit report that I did not authorize anyone or any company to make. I did not allow any company to send my information to any other company for gain or to open an account. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 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 2022-01-25 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: TX

Complaint narrative:
Found several inquiries on my credit report that I did not authorize anyone or any company to make. I did not allow any company to send my information to any other company for gain or to open an account. 

XXXX XXXX XXXX, XXXX, XXXX XXXXl XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
At XXXX on XX/XX/XXXX I received a phone call and the caller ID said Wells Fargo XXXX which is who I bank with so I answered. The phone number that called me was XXXX, which belongs to the Wells Fargo customer service line. When I answered it was an automated voice asking me if I had made a large transfer. The automated voice said that I received a text and to verify my identity with the XXXX digit code that was texted to me. I received a text from the number XXXX. The code was XXXX. Once I inputted the code the automated voice asked me to press 1 if I did not authorize a large transfer today. I pressed 1 and then the automated voice said that that was all they needed and that they would contact me if anything else was needed and the call ended. I then received a phone call from the Wells Fargo at XXXX the same day XX/XX/XXXX from the fraud detection department informing me that there was a wire transfer in the amount of {$16000.00} leaving from my Wells Fargo savings account # XXXX. The representative said that the wire went to a XXXX XXXX XXXX  account belonging to a XXXX XXXX. I do not know this person. I explained that I did not authorize this wire so the representative recalled the wire. The claim number is XXXX. Over the course of the past 2 weeks I have been calling every day for an update as I hadnt received my money back, and there was not an update provided. On a couple of occasions when I called, I was asked to re-tell the story of what occurred. I called today XX/XX/2022 and was notified that my claim had been denied and that there was nothing that they can do. I did not authorize this transaction, I am a victim of fraud and Wells Fargo did nothing about it. I need my money back as this fraudulent activity has put my family in financial distress and Wells Fargo did nothing.

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 2022-01-25 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
RashCurtis & Associates have agreed to delete their account from my credit back in XXXX 2021. Please see the attachment OR see the results to my previous claim with the CFPB. XXXX is the ONLY bureau to not have updated this information yet. XXXX needs to delete RashCurtis from my credit reporting asap! I have attached a copy of my XXXX report as proof as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-25 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: GA

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have paid my balance in full every month since I received my Capital One ( Venture/Quicksilver ) cards. In the past year-They have now started taking weeks to process the payments and then claim that the payment is late and charge fraudulent late fees and interest. I have called them numerous times to correct the issue-which they have always done in the past. When I called yet again today-I was told that they would no longer be able to refund the late fees & interest charges. I promptly closed both accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
Our current home mortgage is with Chase Bank, and we have been working with them since XX/XX/2021 on a refinance application. We submitted all requested documents apropos to the refinance application on XX/XX/2021, 225 days ago. Since then has been a regular stream of additional document requests. I have uploaded a total of 101 separate documents to the bank 's website during that time, all within 1 business day of receiving the information requests. These range from a written explanation of why we use a post office box ( I live in a rural community without home mail delivery ) to many, many documents pertaining to my small business 's finances. 

Today, Chase declined our application. Their stated reason is " insufficient income to debt ratio, '' which I'm sure is a contractually valid reason to decline the loan. However, our income to debt ratio is the same today as it was 8 months ago when we began the refinance process. What has changed, in the meantime, is interest rates. It is no longer in Chase 's best interest to offer us the refinance at the rate " locked in '' last XXXX, so they invented an excuse to decline the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: MI

Complaint narrative:
A. Between XX/XX/XXXX and XX/XX/XXXX I consecutively disputed the amount owed to The Department of Education XXXX, with XXXX XXXX XXXX XXXX Transunion XXXX and Consumer Financial Protection . During that time The Department of Education XXXX furnished LATE PAYMENTS ( 6 ) for each of those months. After fighting for 2 years the alleged balance was FINALLY updated in XX/XX/XXXX from {$5400.00} to {$7200.00}, and my late payments remained. 

B. The Department of Education XXXX is still reporting my account inaccurate. The company is reporting a BALANCE of : {$7200.00} and a HIGHEST BALANCE of {$5400.00}. 
The way this amount is being furnished 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 2022-01-25 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: MI

Complaint narrative:
A. Between XX/XX/XXXX and XX/XX/XXXX I consecutively disputed the amount owed to The Department of Education XXXX, with XXXX XXXX Equifax XXXX XXXX XXXX and Consumer Financial Protection . During that time The Department of Education XXXX furnished LATE PAYMENTS ( 6 ) for each of those months. After fighting for 2 years the alleged balance was FINALLY updated in XX/XX/XXXX from {$5400.00} to {$7200.00}, and my late payments remained. 

B. The Department of Education XXXX is still reporting my account inaccurate. The company is reporting a BALANCE of : {$7200.00} and a HIGHEST BALANCE of {$5400.00}. 
The way this amount is being furnished is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: MI

Complaint narrative:
A. Between XX/XX/XXXX and XX/XX/XXXX I consecutively disputed the amount owed to The Department of Education XXXX, with Experian XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX During that time The Department of Education XXXX furnished LATE PAYMENTS ( 6 ) for each of those months. After fighting for 2 years the alleged balance was FINALLY updated in XX/XX/XXXX from {$5400.00} to {$7200.00}, and my late payments remained. 

B. The Department of Education XXXX is still reporting my account inaccurate. The company is reporting a BALANCE of : {$7200.00} and a HIGHEST BALANCE of {$5400.00}. 
The way this amount is being furnished 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 2022-01-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have filed a dispute with Experian and regarding a creditor I do not owe, every time I dispute it, Experian come back with " The debt is accurate '', I have asked XXXX XXXX XXXX to validate the debt per the FDCPA and they refuse, so I have asked Experian since you feel that is it accurate, to please provide me with the information that XXXX XXXXXXXX XXXX provided to you, and Experian refuses to provide me with the information, I have disputed multiple times and now Experian seems to be working with them I called Experian yesterday to ask again since another disputed came back accurate, I ask to speak with a supervisor and the rep put me on hold for a while and came back and said that the supervisor was going to call me back, but no one called me back of course, XXXX XXXX XXXX is committing fraud, and Experian seems to be working with them? 
how can you not explain the debt per the FDCPA, Experian and XXXX XXXXXXXX XXXX are in violation

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