vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The car was a total loss, the loan was paid off and it had XXXX. I received a refund check for XXXX dated XX/XX/XXXX. This check was made payable to myself and XXXX XXXX ( other borrower ). The check was signed by both of us and placed into my XXXX account via Remote deposit on XXXX XXXX. XXXX took out the funds from my account on XX/XX/XXXX and said the check was unpaid by Ally for " Refer to XXXX ''. I contacted Ally on XX/XX/XXXX and asked that a stop payment be placed & a new check issued. I called back on XX/XX/XXXX and was told by the agent the check was cashed and paid to XXXX. I explained I have the letter from XXXX telling me it was not. She asked I fax it in. I faxed to XXXX on the XXXX. I called again on XX/XX/XXXX and was told the fax was not found. I asked to escalate & the agent said she would open a request for a call back. I submitted a XXXX XXXX Report on XX/XX/XXXX. I got a call back on XX/XX/XXXX & was told the fax was found & it will be handled by their payment area. I should hear back in a week to 10 days. I heard nothing. I called the escalation area at XXXX on XX/XX/XXXX and XX/XX/XXXX and left a message. To date I have heard 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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Federal Student Aid inaccurately denied me a graduate plus loan. They had proof my credit score was XXXX with no collections and all XXXX  loans were paid off in the past. They made an error in denying me a graduate plus loan because I was in law school and they did so intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023 BMO HARRIS treated me like I didn't own my own account even though I passed the verification questions. I called days before and never had to deal with getting my money from my own account that they plan on closing anyway. They re making me print out papers, getting the papers notarized just to prove ots my account. They won't let me access my own money. The are keeping me from withdrawing my money from my account by using the excuse that I'm not verified even though I verified myself by entering my social and phone code along wit answering 3 questions

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Had account for 6 years deposit of personal injury settlement and social security payment chime claimed was out of compliance and closed account I called and spoke to supervisor and was told they have no reason on why account was closed and refused access to my funds and now I have no access to a representative to speak of this matter or any status updates. I requested last three months of bank statement and a letter or statement of current account balance at time of closure and all requests denied and refused. A supervisor offered my a resolution by submitting my my drivers license social security card and proof of deposit from the social security administration which I did while on phone and and still was refused access to funds. I was told my funds would be mailed to me then later told my funds would not be returned to me but to the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
CREDIT REPORTING : On XX/XX/XXXX, Selene Finance, LP approved and closed on a mortgage modification to help with the mortgage payment. The mortgage modification took the outstanding balance and added the PAYMENTS in arrears ( both principal and interest ) ; no change to the 8.75 % ; increased the payments from {$2400.00} to {$2600.00} ; and extended the maturity date by 60 months ( 5 years ) Was in foreclosure proceedings, until XX/XX/XXXX ( attorney representing Selene, LP vacated without prejudice ), when was approved by the New Jersey Emergency Residential Mortgage Assistance ( NJERMA ) which covered all the payments in arrears and paid an additional four ( 4 ) months of payments. 
Suffer from XXXX XXXX XXXX ; XXXX XXXX XXXX  and XXXX XXXX XXXX which rendered me unable to work from XX/XX/XXXX to XX/XX/XXXX. Was not eligible for states disability. 
From XX/XX/XXXX to XX/XX/XXXX, NJERMA paid the monthly payments, timely and Selene was aware of the payment source. 
My credit report shows twelve ( 12 ) months of past due payments. Selene, LP does not refinance, and no mortgage lender will refinance the mortgage until there are twelve consecutive mortgage payments reflecting current status. 
For the XX/XX/XXXX payment I was able to pay. The funds were deducted from my checking account of XX/XX/XXXX and through whatever processing method Selene has internally did not post until XX/XX/XXXX. 
1 ) Loan Modification INCREASED the payment. Could not make the payment prior to the modification ; thusly could not make the increase payment. 
2 ) Internal processing payments by Selene if nothing I can control/manage. 


HOMEOWNERS INSURANCE : XXXX XXXX, XXXX XXXX, no longer underwrites homeowners insurance in New Jersey. Was able to find XXXX XXXX XXXX ( XXXX ) to underwrite homeowners insurance and the cover parallel the previous XXXX policy. The first year of homeowners ; insurance was to be paid in-full as a condition ( as well as being the wiser economic choice because monthly payments include administrative fees ). 

Selene, LP was provided the declaration page which has the company as lend holder as well as the invoice from XXXX showing payment in full. Selene, LP sent out an escrow analysis which increased the payment to {$2800.00}. 


SIDE NOTES : 1 ) I can work. However, not in excess of XXXX  hours. I am employed earning XXXX XXXX. 
2 ) Have exhausted all of the Federal / State Programs offered. With the status of the credit reporting which does not meet other mortgage lenders criteria, a mortgage forgiveness consideration or program is the only other resource.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I reviewed a copy of my credit report and noticed inaccurate reporting and accounts. This involved the following : 1. XXXX XXXX : Account number XXXX  ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$370.00}. 
2. XXXX XXXX : Account Number XXXX   ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$9800.00}. 
3. XXXX XXXX XXXX XXXX ; Account Number XXXX  ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$1100.00}. 
4. XXXX XXXX XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$910.00}. 
5. XXXX XXXXXXXX XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXXXXXX   ; Highest Balance {$840.00} 6. XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXXXXXX   ; Highest Balance {$51000.00}. 
7. XXXX  : XXXX ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$720.00}.

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 2023-10-24 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your 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 2023-10-24 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- -- -XXXX -- -- - XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXX/XX/2023 -- -- -Equifax -- -- - XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I initiated a dispute for a transaction worth more than {$12000.00} paid using my Bank of America visa debit card. Two items in my order were returned to the sender and were never delivered to me, the tracking page suggest the same. The items that I did receive were eventually returned to the sender using a prepaid shipping label provided to me. I did not receive a refund from the merchant for those items. I have been waiting for almost a month, and so I decided to initiate a bank dispute. It has been 10 business days but I did not even receive the provisional credit for this transaction which is making it tough for me to pay the rent and other things. I would really wish that Bank Of America helps me with this issue.

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 2023-10-24 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
I disputed incorrect information and requested these inquiries be removed immediately, or provide validation for these inquiries which was not provided, and they were not removed. I have expressed having an identity theft report and have tried endlessly to get these removed. They have violated law 15 U.S.C 1691 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My home mortgage loan was with XXXX XXXX -- a terrible company. They sold it off to an even worse company called Mr. Cooper. The transition did not go smoothly and despite my due diligence and responsiveness, I was receiving numerous alerts from Mr. Cooper. When I tried to contact them, it's impossible by phone or email. At any rate, my complaint is that they inundate me with what I feel are predatory lending emails : Daily, they tell me to take out loans against my equity... I worry that they are preying on people who need money and will respond to their non-stop marketing campaigns. I have asked numerous times to be taken off their marketing email list to no avail. I hit " UNSUBSCRIBE '' over and over again and yet these marketing emails telling me I can get loans against the equity in my home persist. I am reporting this company. I do not like or trust them. I do not want my mortgage with them. Taxpayers in the U.S. should be able to move their loans. It's despicable that XXXX XXXX ( who I didn't originate my loan with ) sold it off to Mr. Cooper. I had no choice and I am now stuck with this horrific, predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 1. ) Account name : XXXX XXXX Account # : XXXX. XXXX. ) Account name : XXXX XXXX XXXX XXXX Account # : XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. ) Account name : XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX Account # : XXXX XXXX. ) Account XXXX : XXXX XXXX XXXX. Account # : XXXX XXXX. ) I XXXX XXXX XXXX Account # : XXXX. XXXX. ) XXXX XXXX XXXX Account : XXXX. XXXX. ) Account XXXX : XXXX XXXX XXXX XXXX. ) Account Name : XXXX XXXX. XXXX. ) XXXX. XXXX XXXX Account # : XXXX has violated my rights. 15 U.S.C. 1681 section A states I have rights to privacy. 15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I wish to practice my right as a customer of Coinbase to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Case # XXXX and Case # XXXX ) with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing purchased my mortgage loan from the loan originator without first verifying the existing hazard insurance coverage. They asked me to provide proof of continuous insurance coverage more than a year after the fact which I did. I first provided them proof of insurance coverage for XXXX. Then they asked for retroactive proof for XXXX and I provided valid declaration pages and proof of continuous uninterrupted hazard insurance for both years by email, upload and by postal mail. Specialized Loan Servicing phone operators do not provide any identity credentials, the email address they provide are anonymous with un-monitored reply addresses and the upload portal only provides a rejection notice when I upload the insurance declaration pages. The response to mailed in valid declaration pages proving coverage was to deny the proof was valid. They have now reported late payments to all three credit reporting agencies for a single, partial month charge of {$47.00} for insurance coverage for the month of XX/XX/XXXX, because they claim they didn't receive the proof of coverage that I sent in multiple times using multiple methods. My credit has now been downgraded because of the false late payment reports they have filed. Specialized Loan Servicing should not be allowed to purchase existing loans without first verifying insurance coverage and should not be allowed to harass, intimidate, or threaten and impair the credit ratings of their clients for their own lack of due diligence when buying loans.

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 2023-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
THIS ACCOUNT IS INVOLVED IN LITIGATION. Case number : XXXX XXXX. National Credit Systems is reporting inaccurate information. Original creditor is incorrect. Balance is incorrect. False charges were added to this account. Original creditor is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
The last 6 months and so they started frozen my account many times to block me from trade my XXXX in Coinbase smart phone and I lost over XXXX $ for delay and stops me from sell my XXXX also the last month I couldn't not used my debit card always restricted from sell or transfer my XXXX to different XXXX exchange I need them to fixed my debit card immediately to start take my money and I need to withdrawal my money with All the money I lost during there fraudulent activity against the law..and with all my damage they did to me and I need to take my case further to court if they dont let me take my money thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

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