vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: TN

Complaint narrative:
I have tried numerous of times to get my payments lowered due to being unable to pay almost {$500.00} a month and Sallie Mae refuses and still tells me I dont have any repayment options. I have explained my financial situation over and over and hav now been forced to be late or make payment installments on other bills to make sure Sallie Mae is paid on time since they are so quick to report to the credit bureau. I have reached out to legal representation and still Sallie Mae has done NOTHING. I think it is very sad and upsetting they know how much the cost of living is etc yet still expect almost {$500.00} a month. All I need is my payments lowered, I do not have problem paying them back just simply need my payments lowered!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
My mortgage account with AssociatedBank is in autopay, which I setup using their own online banking tool. The payment has being deducted from my checking account at XXXX XXXX and transferred to Associated Bank since my first payment with no miss at all. 
On XXXX there was a {$100.00} increase in the escrow part of my mortgage - duo to tax reassessment. This money is paid in advance for tax purposes and it's not part of the mortgage Principal or Interest. Associated Bank is responsible for collecting this money in order to pay my property taxes when time to do so is duo. 
As the mortgage was being automatically transferred from my XXXX XXXX checking account to Associated Bank every month and no call was given or email was sent, I was not aware of such an increase until I checked my XXXX statement which said that XXXX month was " overdue ''. I immediately called Associated back to discuss why I was being charged double, since the money was wired a month ago. That's when they tell me that, the amount paid was considered " partial '' ( because of the " missing '' {$100.00} related to TAX reassessment ) and therefore didn't apply to my mortgage, instead it was kept in a separate account within their organization. I then paid the difference over the phone and also adjusted the XXXX payment. This was done on XX/XX/XXXX. with XXXX and I was given the confirmation number : XXXX. 
For my surprise, after all this ordeal and, after paying all the additional adjustments needed, on XX/XX/XXXX my XXXX XXXX was hit with a claim from Associated Bank in the total amount of my over a XXXX XXXX  mortgage saying that it is overdue. I called them today, XX/XX/XXXX and they tell me there's nothing they can do. 
I file this report since the claim is completely incorrect, I paid my mortgage on time and can not be punished for a mistake Associated Bank made regarding the escrow/tax amount. 
I would also like to note that, Associated Bank returned XXXX XXXX dollars from my escrow account because, in their words, we overpaid it so, how can they now, after returning us this money, say that we are late/overdue exactly because of the tax reassessment? It makes no sense. 
As documentation I'm attaching my checking account statements from the last 3 months showing the timely payments sent to Associated Bank. 
I appreciate your consideration on helping me solve this matter. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a secure card with a purchase limit of {$1000.00} with the Capital One card company around last July 5-6 2021. 
So, the Capital One card company withdrew {$840.00} from my us bank checking account to a secure card deposit. 
I was issued a secure card like that, but the Capital One card company did not activate my secure card because my phone number in their file was wrong. 
I did everything I could to verify that I was who I was in other ways, but the Capital One card company did not activate the secure card I deposited. 
So in the end I asked last XXXX to close the secure card I was issued and refund the {$840.00} I deposited, and they clearly told me they would get it back within a month. 
But today I called the Capital One card company to confirm when I can get my Secure Deposit back, but they refuse to refund my {$840.00} Secure Deposit. 

I really don't understand why I can't get a refund of the {$840.00} deposit on a secure card that I haven't used and I'm desperately asking for help with this issue. 

For reference, there is a Bank Stateman whose Capital One card company took money from my checking account, and I can provide it at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
My husband and I own 50 % of a home located at XXXX XXXX XXXX XXXX XXXX wa. The other 50 % is owned by XXXX XXXX a neighbor /business partner. My husband unbeknownst to me or XXXX applied for a home equity line of credit with XXXX XXXX XXXX. The house appraised for {>= $1,000,000} On XX/XX/2021 I was emailed disclosures and a notary showed up for me to sign documents with my husband. I had no idea what I was signing and signed a document with a spouse joinder clause. I was advised to mail the notice to rescind which I did certified on XXXX XXXX cancelling the loan. I also called BECU XXXX XXXX on XX/XX/XXXX to let her know I was cancelling. She would not talk to me because I wasnt the borrower. 
XXXX XXXX was not given any disclosures or notice to rescind paperwork. 
I found out on XXXX XXXX after talking to XXXX XXXX that the loan closed on XXXX. She told me that they needed to receive the notice to rescind by XXXX and that they didnt have it by then. She also asked why I didnt call? I told her I did call but XXXX XXXX wouldnt talk to me. I also said that I was only responsible for sending the notice per there form and the truth and lending act. She said they ran it by compliance and can not cancel the loan. We have exchanged several emails and BECU is not going to cancel the loan. Apparently they did call my husband when they got my notice and they feel hes the only one that cancel the loan since hes the only borrower on the loan. We are going through a recent separation/divorce so Im not involved with any of his communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent numerous letters to the credit bureaus in response to some incorrect information found on my credit report to which the credit bureaus or the creditor have yet to respond. My initial request was sent in XXXX of 2021! I have since sent XXXX follo ups to which neither the companies or the credit bureau has responded. This is violating my consumer rights. I would appreciate some help with this matter, 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 non-monetary relief
Consumer complaint received 2021-12-13 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: TIDEWATER FINANCE COMPANY, INC.
State: MS

Complaint narrative:
Unauthorized inquiries own my report, requested XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/XXXX I sent a notification to DISCOVER STUDENT LOANS certified mail ( XXXX XXXX XXXX XXXX XXXX ) and it was received on XX/XX/XXXX. DISCOVER STUDENT LOANS has now been notified of a billing error pursuant to 12 CFR 1026.13 ( e ). I have asked DISCOVER STUDENT LOANS to correct this billing error and put them on notice that I invoke my right as a consumer to withhold all past present, and disputed amounts pursuant to 12 CFR 1026.13 ( 1 ). I have also notified DISCOVER STUDENT LOANS, that they can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant to 12 CFR 1026.13 ( 3 ). 
DISCOVER STUDENT LOANS may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of the Affidavit sent to them. DISCOVER STUDENT LOANS is in violation of 18 USC 1341 and has participated in racketeering activity as defined in Title 18 USC 1961. DISCOVER STUDENT LOANS has 15 days from the date of receipt XX/XX/XXXX to provide an affidavit response with a rebuttal, point for point otherwise I am conditionally accepting their non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and administrator in fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX XXXX Balance {$260.00} Inquiry : XXXXXXXX XXXX Inquired on XX/XX/2021 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX XXXX {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
My insurance company has uploaded insurance verification to Truist three times. I keep getting letters that say that I do not have insurance. I have tried calling but wait times at over two hours even though they announce 30 minutes. After an hour or two they system cuts you off and you have to start over. Today I went to the local branch and no officer would speak to me about the problem. I left a copy of the XXXX Page that show Truist as a named on the policy with XXXX XXXX at XXXX. I tried calling the number listed on their SEC filings but it is an auto attendant that will not let you get to a human. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: OR

Complaint narrative:
My first call to Chase was on XX/XX/2021. I had a large credit balance, which credit card companies are required to refund under regulation Z. Most credit card companies are usually very eager to credit balances resolved because of the potential regulatory issues, so I didn't anticipate any issues. I was told that a check would be sent, and the credit was deducted from my account. 
When no check showed up after several months, I called back. I was told that I would get an email asking about my refund preferences within several days, and a check if I didn't respond. My contact info was verified and I checked my spam. I didn't get an email or the check afterwards. 
This morning I called Chase the third time. The first employee was very up front with me that he couldn't help me, and transferred me to his supervisor, XXXX. XXXX said she needed to email corporate, and then the call mysteriously disconnected. XXXX had my callback information but chose not to call back, so presumably this disconnect was intentional from her end. I tried calling back twice more. The IVR disconnected on me once. The other time, a representative named XXXX answered. When I expressed my request for a supervisor the call again " dropped ''. 
We're coming up on XXXX months of me trying to get a refund, and I have absolutely no reason at this point to believe that Chase has ever sent one -- though they were very eager to take the money out of my account. I haven't used profanity or done anything to merit them disconnecting the call, but that seems to be their solution to try to avoid giving me that refund every single time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was a victim of fraud from the equifax data leak and am very worried about my identity being stolen again. I opted out of having my data sold to lenders on XXXX  but keep getting offers in the mail. I then learned I had selected opt-in not opt-out. I have very poor XXXX and only have a XXXX XXXX  and could barely see what was on the screen. It was very difficult to fill out the form with it being so tiny and hard to use. This is the only way you can stop offers and it should be easier to use. Not everyone has a desktop. Its discriminatory please fix

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was a victim of fraud from the XXXX data leak and am very worried about my identity being stolen again. I opted out of having my data sold to lenders on XXXX  but keep getting offers in the mail. I then learned I had selected opt-in not opt-out. I have very poor XXXX  and only have a XXXX XXXX and could barely see what was on the screen. It was very difficult to fill out the form with it being so tiny and hard to use. This is the only way you can stop offers and it should be easier to use. Not everyone has a desktop. Its discriminatory please fix

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX FCU Date of inquiry XX/XX/XXXX XXXX AUTO Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX AUTO Date of inquiry 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 2021-12-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX {$71.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : 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 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hi, I initiated a {$20000.00} wire transfer from my Wells Fargo checking account on XX/XX/21 to XXXX Bank in Arizona. The wire transfer is for the escrow funds I'm putting down on a new house. I did this using the Wells Fargo application on my phone. 
The {$20000.00} was removed from my checking account on XX/XX/21. Unfortunately, XXXX Bank never received the funds and I no longer have the funds in my checking account. 

I have called Wells Fargo at least XXXX times over the last XXXX weeks and I have visited my local branch twice to get help. I have initiated a claim with Wells Fargo and I have been told that Wells Fargo would contact me within XXXX days with an update. The XXXX days has come and gone and I have not been contacted. 

I have reached out to the recipients of the funds at XXXX XXXX XXXX and they think the funds may be held up by XXXX due to a word I used in the memo of the wire transfer. 

I can't get any clarity from Wells Fargo and I can't get clarity from XXXX Bank and I am trying to get my $ XXXX back. Please Help. 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 2021-12-13 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: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX & XXXX Balance {$260.00} XXXX  XXXX Balance {$45.00} Inquiries : XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX 2021

Company response to consumer: Closed with explanation