vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, We paid for a rate lock with Wells Fargo on XX/XX/2022 in the amount of {$9700.00} for a new home that is being built. This is one day after we confirmed with Wells Fargo, via email, that the rate lock was transferable. We then communicated via email again on XX/XX/2022, with the same representative at Wells Fargo, about confirming the rate lock was transferable. In both communications we were told that the rate was in fact transferable. However, more recently on XX/XX/2022 we asked the same representative at Wells Fargo for an updated letter confirming our conditional approval for the loan ( which we already had for the new construction home ) for a different property. The representative told us that the rate we locked in with on XX/XX/2022 could not apply to an existing home, only to new construction. From the communication we have via email with the representative at Wells Fargo we where never told that the rate lock was only for new construction. The only reason we got the rate lock was to have some flexibility in case we did not more forward with purchasing the new construction home that we could purchase an existing home instead. 

We escalated this issue at Wells Fargo and actually spoke to a senior manager by the name of XXXX XXXX ( market manager for XXXX XXXX, CA ) toward the end of XXXX. He said over the phone that we were correct that none of the disclosures for the rate lock stated this product was for only new construction and this was the reason why the representative was confused and never told us. XXXX told us that he would get back to us the next day. Despite two follow-up emails it has been well over a week with no feedback from XXXX or Wells Fargo XXXX It is likely that we will proceed with the purchase of the new construction, but if an existing home comes to market between now and when the rate lock expires we would like to have that option to purchase the existing home under the terms we had locked into with at Wells Fargo. 

We do not want the money ( {$9700.00} lock fee ) back. We want Wells Fargo to honor the terms we locked into with for any home ( new or existing ) we purchase in the coming months. Also, if these disclosures are standard then how many other customers of Wells Fargo have been miss lead and not allowed to purchase the home they wanted under the terms they locked with? 

Appreciate any assistance,

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 2022-10-11 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: MS

Complaint narrative:
I did a did a credit report with experian and noticed it said i had a balance of {$9200.00} I have never had a credit card so this is wrong. 
It says i am an authorized user of a XXXX creditcard that was opened in 2015. 
I was XXXX XXXX XXXX in 2015. 

I filed a dispute but they couldnt do anything apparently. 
I got a letter from XXXX saying i needed the creditcard owner to remove me. I dont know how thats possible considering i have no idea who that person is.

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 2022-10-11 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: MT

Complaint narrative:
I am working on my own behalf, a federally protected natural person XXXX XXXX who did not give permission to Equifax to report this alleged debt and fraudulent information with XXXX XXXX XXXX. My complaint with Equifax # XXXX is impacting my credit score and I am demanding that you remove it from my consumer report-you were suppose to do an investigative report-and I know you didn't speak to my neighbors or anyone I know personally. Send me a detailed audit trail of the investigative process or delete the alleged account from my consumer report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I contacted Equifax regarding incorrect information on my account back in XXXX and most recently ( XXXX XXXX. On multiple occasions, I was asked by the credit bureau to validate my identity using a secured link to send a copy of my driver 's license and social security card. The link provided never works and when I asked for alternate verification methods, I was asked to verify my identity using incorrect information on my consumer report. When I stated to the agents on numerous occasions that the information is incorrect, I have been hung up on or told " we can not help you ''. I was instructed yesterday to fax my documents and they would process it within XXXX hours. Upon sending the documents via fax, I contacted the company ( Equifax ) who told me they would not process the documents until XXXX days and they wouldn't update my information until 30 days later. 

In addition to being part of the XXXX XXXX XXXX, I was not able to update my information last year due to the same issues experienced yesterday. I asked for a supervisor and my request was denied and then told " we are unable to help you. We also will not file a complaint on your behalf ''. This company is malicious and does not help their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In XXXX my wife and I went to close on our home. The Mortgage offered was a variable rate mortgage. We refused to sign. They went back to the lender and after two hours waiting, we were offered a first and second mortgage. The first was at 7.5 % interest, the second at 10.5 %. What we didn't realize the second mortgage was a home equity loan with a balloon due in XX/XX/XXXX. They want {$30000.00}. I'm XXXX and semi-retired and My wife is XXXX tomorrow and runs a daycare out of the house to keep money coming in. I still do XXXX XXXX XXXX part time, but our credit score and income are too low to get a loan to cover this. My name is XXXX XXXX, wife XXXX XXXX XXXX. Chase now is the holder of this loan and we have applied for mortgage assistance and is waiting for their response. I don't know how my wife and I missed the terms of this loan. This was done during a time when companies were known for this kid of loan. Isn't this a form of predatory loan and are these still allowed? Is there any recourse to get out of this loan? I'll await your contact. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America allows fraud customers to keep my money Good Afternoon, My name is XXXX XXXX. On XX/XX/XXXX I received a text, from my bank stating that a purchase had been declined at a XXXX. I was not making the purchase. I looked up my bank number and as I was about to call, the actual bank was calling me. They told me someone tried to use my debit/credit card, While we were on the phone received another text stating that {$3500.00} was coming from my XXXX account XXXX There was a very strong sense of urgency from them ( XXXX XXXX bank ) to get it resolved before they ( alleged hackers ) got all my money from me..I was terrified. Phone kept disconnecting & every time I tried to call back XXXX XXXX back they would quickly call me back. They told me someone hacked into my XXXX and I had to do a XXXX reversal. They had me do it in my name and said the number I put in was a reversal code, NOT a phone number. They had me terrified. Very scripted and professional fraud. They told me once I had reversed all three of my accounts it would block the thieves and I would see my account balances be back at the amount it was when I started. I even received text from thieves ( posing as bank ) that said thank you for XXXX reversal. When all three of my accounts were emptied, the man on the phone ( said fraud banker from XXXX ) apologized and said too much time had passed and I would not see the money back in my account until the next morning. Instantly tearful I hung up and realized I had been scammed and called my bank right away. The fraudsters hid behind the actual bank number and sent text messages that looked exactly like the banks. Showed a banker at my bank and they agreed it looked so legitimate. I went to my bank, reported it to the police and even got Bank of America to freeze the perpetrators account because they knew these scams had been happening. Ive done my due diligence to advocate for myself as a victim. I did not receive my money back ( will not give up the fight to get my money back, I am the victim ) but I want to stop these low life, heartless humans. The number of the person who received the money was XXXX My bank ( XXXX ) told me they banked at Bank of America and Bank of America confirmed they did and Told me their name was XXXX XXXX XXXX ( not sure if spelling is correct ). Please please, things need to change. The thieves are advancing the banks & people like me are suffering without our banking backing us up. 

I need my voice to be heard & my money back to me. 

Sincerely, XXXX XXXX XXXX Bank customer Scammed by Bank of America 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 2022-10-12 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: CA

Complaint narrative:
I had reached out to XXXX, XXXX, and Equifax about XXXX account # XXXX to request for them the verify the accuracy of the account. XXXX, XXXX, and Equifax updated me that the account is being reported with accuracy. 
I then viewed an updated report and the account is still reporting inaccurate. 
I see inaccuracies with the date opened, high credit, last reported, last payment, and last Active. 
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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: CA

Complaint narrative:
I had reached out to XXXX, Experian, and XXXX about XXXX account # XXXX to request for them the verify the accuracy of the account. XXXX, Experian, and XXXX updated me that the account is being reported with accuracy. 
I then viewed an updated report and the account is still reporting inaccurate. 
I see inaccuracies with the date opened, high credit, last reported, last payment, and last Active. 
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 an 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 explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
so i have a bank of america buisness accounts that i have open for less than a year for the buisness that i have currently and write paychecks for the employees i was notified yesterday from an employee that he couldn't cash his check so i went into a branch and was told to call an XXXX number and was told that my buisness accounts were closed for no reason and that it was a buisness decison and at the banks descrection to close at anytime without notifying the customer i asked the reason why and got the run around that it was a buisness descision. was told the accounts were gon na close on the XXXX of the month and that they were gon na cut a check and mail it now my funds are frozen for no reason and i can't pay the employees

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 2022-10-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: PA

Complaint narrative:
This debt collector calls this number non stop. I only agree to written communication. 





XXXX ( XXXX consumer protection act ) The law restricts telemarketing certain phone calls, text messages, and facsimiles. It also places restrictions on the use of automatic dialing systems and artificial or prerecorded voice messages. Collections ' actions by phone are also regulated under the act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2022 a payment was taken out of my bank account in the amount of {$410.00} I contacted my bank CHIME who informed me that it isnt nothing they can do about this. But I could put in a stopped payment for this company. Between XXXX XXXX XXXX 2022 a stopped payment was put in by speaking with a XXXX with CHIME via chat. XX/XX/2022 CHIME allowed the same company that I put in a stopped payment for to still withdraw from my account in the amount of {$120.00}. I have contacted CHIME XX/XX/XXXX and disputed the transactions. At that time a XXXX stated he would put a stop payment for this company, I informed the rep to NOT do that UNTIL someone could inform me what happened with the last stopped payment I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: MO

Complaint narrative:
I am a single mom and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Thank you very much

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 2022-10-11 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: MO

Complaint narrative:
I am a single mom and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 consum
er reporting agency can not furnish a account without my written instructions Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: GA

Complaint narrative:
I have sent multiple dispute letters to experian asking for proof and validation that collection accounts belong to me. I have not received any of the info I asked for per the fair credit reporting act!! They will not provide me with proof of these collection accounts, only a generic letter stating they have verified the accounts. Please help me dispute these accounts and get the info I have asked for from Experian

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 2022-10-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
In XXXX, I was impacted by COVID-19 and opted to ask for the Covid mortgage relief. The entire time I was on the COVID relief plan the mortgage servicer reported me past due though I was not past due when I entered the relief plan. Beginning in XXXX of XXXX I began contacting my loan servicer. This nightmare took 6 months before they finally told me my loan was modified in XXXX of XXXX, but the nightmare continued with me continuously calling every single day. Though the system did not reflect my modification, by every customer service rep I was told that I had indeed received a modification but it took time for the system to update. I continued making my modification mortgage payments, and in XXXX of XXXX, my loan was transferred to a new servicer even though they never completed the modification in their system. I started call the new Servicer ever single day and they were not able to see any loan details. In XXXX of XXXX, I received a letter from the new servicer that my loan was referred to foreclosure. I immediately called them asking why they had done that as they sent me a letter stating due to RESPA they were not allowed to refer my loan to foreclosure. They apologized and said it was an error and that the system automatically sent the letter but that it was not in foreclosure. At the same time I tried making my payment but they stated they could not accept a payment because they were waiting for my old servicer to send them the updated loan information. I continued calling my new servicer every day until finally in XXXX of XXXX, they emailed documents to me stating that I had to resign the documents dated XX/XX/XXXX and that they would honor the modification. Here it is XXXX and they still have not updated their system with the modification nor have they updated their system with the payments I made, nor have they adjusted their system for when they were not accepting payments from me. I just need some help, Two years of nightmares with these mortgage companies have ruined my credit as they have continued to report me as past due even though my loan was modified. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cross America Financial LLC
State: CA

Complaint narrative:
I found out from a 3rd person company that I was being civilly sued. I checked it upon public records that I missed 2 hearings already

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My friend on XXXX told me I can earn XXXX dollars if I send money to a person and I fell for it. He asked me 4 times to send him more and more money. I felt like he wanted more and more money and nothing was coming into my Zelle account. I finally gave up and tried to get my {$950.00} bank that I sent him. He stopped texting me and never gave me any money. Im worried about this so much, I really sent him {$950.00} so I could win {$10000.00} and he have stopped contacting me. Please help me get my money back from this stealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NJ

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXXXXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : - Account # : XXXX Account name : XXXXXXXX XXXX Account # : XXXX Account name : XXXX, XXXX. 
Account # : XXXX Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXX Account # : XXXX

Company response to consumer: Closed with explanation