vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I attended a XXXX XXXX XXXX university from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. My dad was the breadwinner of my family, and he took out loans as my cosigner from Sallie Mae. I was the first child to go to college. 
1. He used the " loan amount calculator '' that their platform provided, which was supposed to generate a recommended loan amount based off of my specific university that I entered in, and then he used that number to then take out my loans. The calculator was absolute XXXX, and the number it provided us was {$7000.00} MORE than what tuition at my university costs. 
2. My dad then died, very unexpectedly and tragically, in the middle of my college career on XX/XX/2020. I sent Sallie Mae his death certificate, and spent literally TWO HOURS on the phone, during my work day, to try and reach a live person somewhere to help me figure out what my next steps were, only to learn that SALLIE MAE EXPECTS SOMEONE WHO COULD ONLY TAKE OUT A LOAN WITH A COSIGNER, TO COMPLETELY REPAY, IN FULL, ON A NORMAL TIME SCHEDULE, THE TOTAL AMOUNT ALONE IF THEIR COSIGNER DIES. Although I can not take out a {$5000.00} loan in my name, at XXXX XXXX XXXX I am expected to pay back over {$50000.00} in loans with no protocol, no exceptions, and no forgiveness. Not only have I had to endure the horrendous loss of the most important person in my life, but now I am fighting for my own life as well against a company that is nameless, faceless, and an absolute scam. It is predatory, it is abusive, and at the end of the day, I am at a loss as to how they are still legally allowed to operate in the US. I will not rest until I, and other college students around the country, are given justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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 have been a victim of the XXXX breach and will like to have this accounts remove immediately XXXX XXXX XXXX - Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX - XXXX Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX - XXXX Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely

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 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
In XX/XX/XXXX I noticed an {$16.00} XXXX transaction on my Wells Fargo account that I realized was recurring monthly since XXXX. I had previously assumed that these transactions started after my student account expired, but after some research I realized that these transactions were fraudulent and totaled over {$700.00} over 4+ years. 

After doing some research I learned that in XXXX, many Wells Fargo Accounts in the XXXX, Virginia area were hacked and charged with fake XXXX transactions. XXXX XXXX XXXX ' Two points to make before getting to my actual complaint is that 1 ) the fake XXXX charges XXXX my account are written differently than real XXXX charges ( I've since discovered ), and 2 ) at the time Wells Fargo said that this was not a data breach and that " we are working directly with any Wells Fargo customers who were impacted. '' My complaint is that Wells Fargo was aware that there was a subset of its accounts that were impacted by a specific kind of fraud ( ongoing fake XXXX charges ) in XXXX and did not 1 ) inform the relevant consumer base to be on the lookout for this kind of transaction which could easily be mistaken for recurring XXXX charges, or 2 ) do anything to prevent these fraudulent charges once it had been made aware that this was a systematic issue facing many customers. Since the fake XXXX charges are written differently than real transactions, they could have easily stopped any future fraud by filtering out these fake charges. 

In addition, I noticed the fake transactions on my account because they were using a card that I had not activated yet. So I suspect this was in fact a data breach despite what the spokesperson has said. 

Wells Fargo has denied my claim for reimbursement.

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 monetary relief
Consumer complaint received 2022-08-02 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: AL

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

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 2022-08-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have sent letters to Bank of america to advise them of a someone trying to get a credit card in my name I have repeated sent letters to XXXX XXXX and XXXX also and they will not remove it they said only Bank of america can remove it and they are refusing to do so even through I sent then the proof of the id theft from the idtheft.gov

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 2022-08-02 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 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 2022-08-02 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2022-08-02 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: OH

Complaint narrative:
Several accounts showing on credit file Have been disputed with equifax but yet not removed. Equifax and creditors have failed to be able to prove proof of ownership of list of creditors. None of the on file information matches my information but yet fail to be removed. The following accounts need to be removed from file XXXX XXXX acct # XXXX XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXXXXXX bank act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX act # XXXX XXXX XXXX  act # XXXX All of above accounts are not mine. These accounts have failed to provide proof of ownership. These must be removed from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo called me on XX/XX/XXXX to ask if I had made a charge to a charity in amount of {$1000.00}. I said to there fraud department now didnt. They said they would mail me a new card that this one was compromised. Upon receiving the new card was no terms or conditions just to activate the card with new account number. So on XX/XX/XXXX I tried to apply for a loan to consolidate and I was turned down because of an erroneous charge being reported on my consumer report by XXXX but I have NEVER received my adverse action letter from the bank or the Credit Reporting Agency that the consumer report was obtained. I was looking for this on my online portal with Wells Fargo to see if it had been put there which was not. I started to notice that all of my statements from XX/XX/XXXX back towards the opening of the account where gone and missing from my online portal. I started looking closer at the new statements from that date forward till now and realized they changed my APR from an average of XXXX % APR. to now XXXX % APR. I did not have access or possession of the prior statements Wells Fargo did and upon requesting then I get them and they had changed all theAPR on those statements to match the new APR. to implied that I paid this all along when I know I did NOT. During the dispute process with Wells Fargo they continued to charge me the interest and demanded the payments. They have continued to send me irrelevant information and false and deceptive information, statements, documentation. Plus the day they did this they obtain my consumer reports on all three Credit reporting agencies. I have given then since XX/XX/XXXX to down investigation and they still say they need more time to right up to the statement date and give me fake erroneous information just to charge the higher interest and demand it paid. I know I would not agree to any interest rate of this extortion

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 2022-08-02 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: CA

Complaint narrative:
I have been a victim of the XXXX breach and will like to have this accounts remove immediately XXXX XXXX- XXXX - Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX - XXXX Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX - XXXX Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely

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 2022-08-02 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 have been a victim of the Equifax breach and will like to have this accounts remove immediately XXXX XXXX- XXXX - Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX  - XXXX Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX  - XXXX Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
Sequium sent me a letter dated XX/XX/2022 claiming I owed {$100.00} to XXXX XXXX XXXX. Following the instructions in the letter I emailed XXXX  on XX/XX/2022 ( see attachment : XXXX ). I used a CFPB form letter, changing very little of the text, requesting a copy of the last billing statement sent to me by the original creditor and all of the other information from the CFPB template ( XXXX XXXX XXXXXXXX XXXX 

I did not receive any kind of reply. 

I recently received another letter from Sequium, dated XX/XX/2022, trying to set up a payment arrangement. Since I already emailed them for more information about the debt on XX/XX/2022, I ignored the letter. 

On XX/XX/2022, I noticed on my XXXX  account that Sequium had added the debt to my credit history, taking me down XXXX points, even though they never got back to me with the requested information, which I thought was their obligation under the Fair Debt Collection Practices Act ( FDCPA ). So I emailed them the same text again ( attachment XXXX ). I have not received a reply. 

It is possible that this company thought I never replied within a specified time, but I did email them on XX/XX/2022. Their letters were not sent via registered mail, no delivery confirmation, and the envelopes were not postmarked and dated, so I threw them away. Maybe they never saw my email, but the attachments show that I sent it, per their instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We opened a new Checking account at Chase Bank at Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX There was a promotion that would give us {$750.00} if we completed all the required steps. 

We completed all the steps. Chase bank closed our account instead of paying us {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I made a purchase online from a XXXX  seller named @ XXXX. He goes by the name XXXX XXXX. They were selling an XXXX that i offered to pay {$790.00} dollars for. Seller asked to make payment through XXXX  to avoid paying XXXX fees and starting messaging me through the number XXXX XXXX XXXX. I sent 50 % of the transaction which was {$390.00} on XX/XX/XXXX to sellers XXXX  number XXXX XXXX XXXX. Next day seller sent me a USPS tracking number XXXX and urged me to send some portion of the remaining balance, for which I sent another {$200.00} to them. It has been two days and there is no update on the shipment. I have even contacted USPS and they said they have no evidence that this is a real package label ( nothing is showing up on their end ). I have also contacted my bank ( Bank of America ) who filed a claim for the incident and they told me to contact police to file a report for an online scam.

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 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I have a mortgage that is serviced by XXXX Bank. In XX/XX/2021 there was a freeze inTexas due to power outages. We have been trying to restore our house and move back in. Every check given to us by the insurance company has been meet with resistance by the Loss Draft Department within XXXX Bank. Needing the Insurance adjusters claim information, inspections, delays in receiving funds while they held them, requiring numerous calls to the Loss Draft Department and being on hold for 20-30 minutes before speaking with someone ( calls usually lasting 45 minutes to an hour ).

The last check received by the insurance company to finalize the construction has been held by the Loss Draft department for over 2 months. I have made 5 phone calls, again on the phone for hours, to hear they were releasing the funds and the monies never being released. In the interim I've had numerous contractors threatening liens on my property. i've elevated my dismay to the supervisors and now upper management. 

While I'm writing this, I've been on the phone with them for over an hour. IF I HAVE RESOLVE, THIS NEEDS TO BE STOPED AND THEY SHOULD BE REPRIMANDED FOR THEIR ACTIONS.

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 2022-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I received a notice explaining that I had funds in this account, however my name was spelled wrong and I could not receive the documents.

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 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My card was fraudulently opened up in XXXX and charged {$13.00} when I found out in XXXX it was already late .... I never received the card or knew what was charged JP_ Morgan Chase let me know that they were removing it from the credit bureaus, but this fraud activity hurt my ability to get a mortgage loan. 

Please have them remove it from all 3 bureaus ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: AL

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

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 2022-08-02 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
RightPath Servicing is threatening to place FPI ( Forced Placed Insurance ) on my home after I have provided them with a full copy of my current insurance policy. RightPath claims that two words As walls verbiage is needed SOMEWHERE within my policy and this claim is simply ridiculous and a non-acceptable reason to place insurance on my already insured property. Forced Placed Insurance is a scam used by companies like RightPath to increase revenue on an account and their claim to need As walls is fraud. I have had this same type of insurance on my property for 17 years and there has never been such a claim from a lender or servicer. 
RightPath DOES NOT state where in the policy this lack of verbiage is needed which further proves their attempt to impose unnecessary insurance on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC
State: IN

Complaint narrative:
I entered, in good faith, into a consumer credit transaction with BMW Financial services on XX/XX/XXXX. During this transaction, I was asked for my credit card ( social security card ) pursuant to 15 USC 1602 ( l ) to fund this transaction, as under 12 USC 1431 banks are strictly borrowers, and I the consume under 15 USC 1602 ( f ) am the original creditor. I was told in an unlawful adverse action letter that due to their internal standards I had been denied credit. Under 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) internal standards are not sufficient to deny me of my right. The ECOA strictly prohibits the type of adverse action that can be taken under 15 USC 1691c, and mentions nothing about internal standards, low income, too few accounts or how long I have had my credit. BMW Financial services unlawfully discriminated against me, as under the ECOA they can not discriminate against an applicant who has applied in good faith, or exercised any rights in good faith. This constitutes as unauthorized use of my credit card under 15 USC 1602 ( p ) and i wish to be compensated for my damages by either granting me my extension of credit to purchase the XXXXXXXX XXXX that I applied for, or a car of like grade and quality. Under 15 USC 1611, 1691, and 1691e they can be held labially civilly and criminally for breaking the law and discriminating against me the consumer and applicant. I will also be mailing off my concern to the proper department at BMW Financial services, I have attached a copy that will be going out on XX/XX/XXXX and should arrive 5 days after.

Company response to consumer: Closed with explanation