vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selene Finance LP
State: FL

Complaint narrative:
On or about XXXX XXXX, XXXX, my manufactured home bearing the identification number of XXXX was stolen from me by the bank listed on the documents. The bank in question had no rights whatsoever to my home, as my mortgage was through XXXX XXXX originally through XXXX XXXX, then transferred to XXXX XXXX and finally to XXXX XXXX. As you may see through the legal documents, my home was not to be included in the foreclosure per XXXX XXXX order. Moreover, the Certificate of Title and Certificate of Sale exclude my home as well. I had to retain legal counsel at the time just to prevent the bank from stealing my home, which they had no legal or civil interest in at all. The bank in question was somehow able to locate the VIN of my home and include it within another foreclosure. The bank physically had to research my VIN, as they would not have had any record of it since I did not have a mortgage or loan of any type with this bank. What this bank did to me would be no different than if I were to foreclose on my neighbors home. My neighbors do not owe me any money, and I have no security interests in their home ; however, I foreclose on their home anyway even after a judge orders me not to do so. Well, this is exactly what this bank did to me. It is extremely worrisome that this bank has been able to get away with this crime, which establishes a frightening precedent that could be perpetrated unto other honest citizens. The contact information for the bank whom illegally dispossessed my home is : Selene Finance, LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX Despite the Judges order and the bank realizing that it had no rights to my property, the bank fraudulently acquired title to my home and sold the home. I was still making payments on my home for several months after the bank had stolen my home unbeknownst to me. At some point in XXXX, the new owners removed my home from their property and the whereabouts are unknown to me. I had thousands of dollars in personal belongings still in the home. To date, I am still being harassed from XXXX to make my mortgage payments, which has negatively impacted my credit and subsequently has had a detrimental effect on all aspects of my life. I had my home and personal belongings stolen from me, have lost a great deal of money, negative reporting on my credit reports, and have endured a great deal of stress and aggravation to say the least. 

I truly hope that you can help me in this criminal matter and prosecute the perpetrators.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX PULLED MY CREDIT WITHOUT APPROVAL DATED XXXX/XXXX/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 2017-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been with Citibank for a long time I have checking savings and 2 credit card accounts with them. Recently they closed one of my credit cards because I hadnt used it and I lost almost 30,000 thank you points. I was unaware of this. I do online banking and online my account is still there and I have no I do at all about the closure of that account and the loss of my points.

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 2017-11-08 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a correspondence for Sears indication that XXXX reported to them that my credit score had dropped to XXXX, when in fact my credit score was XXXX the same week. Sears responded by instructing me to destroy my credit card in which I have good credit with Sears for years. 

XXXX, also reported that I had 12 inquiries in the last 12 months. I gave no one permission but " XXXX XXXX '', XXXX XXXX XXXX XXXX in 2017 and no other. 

As XXXX has had a breech I believe in good faith that this is the result of this error in my credit.

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 2017-11-08 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: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I did not authorize hard inquiries on my account affecting my credit score.

This company keeps pulling my credit score for no reason. 

XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX I did not give them permission at all. 

Quicken Loan XXXX, MI XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: TX

Complaint narrative:
Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by Equifax, XXXX, and XXXX. One is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$370.00}. This was due to them buying an account from XXXX ( Cell Phone ) who claimed that I owed this amount. I explained to both, The Credit Bureau, and XXXX XXXX that I am a US Soldier, and I did not owe XXXX a remaining balance, that I had contacted XXXX concerning this amount, and they were unable to find my account with said balance owed. I now owe XXXX XXXX this balance of {$370.00}, whom I have no business with. I have never signed any contract with this company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I tried to withdrew funds from Coinbase Inc [ US ] on the XX/XX/XXXX from my bitcoin wallet to my bank account. According to their website the transaction has completed. 

However no funds have arrived in my bank account. I have previously successfully withdrew funds to the same bank account. 

Sum involved is XXXX Euros. 

I contacted customer support on the XX/XX/XXXX and got the following reply : Coinbase | XX/XX/XXXX XXXX PDT Thank you for submitting your request. Due to increased volume it may take several days to receive a response. 

I asked for an update on XX/XX/XXXX and got this reply : XXXX replied : Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

I have made 2 further attempts to contact Coinbase to get a further update and a resolution to this issue but have been unable to get a response back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: MO

Complaint narrative:
Please help me. I have been fighting with Equifax about accounts they report but there is not even enough information to know who the companies are. They are the only ones reporting several medical accounts. None of which I received any type of communication for and I have not been to the doctor in years. I have attached a copy of my credit report showing the items in question and showing that for whatever reason Equifax is the only one reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have had a dispute in since XX/XX/XXXX for XXXX XXXX for {$440.00} ( XXXX ) I was charged for a flight that was cancelled and I sent so many letters explaining this and I 'm getting the run around. when i called XXXX i was told i was n't charged but I show different.I have been going back and forward witht he dispute dept. with no help to getting this fix and we are now in XX/XX/XXXX and this charge happened in 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 2017-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened 4 accounts for my children ( XXXX ) with XXXX XXXX which sold to Wachovia which then sold to Wellsfargo. Somewhere along the way, Wellsfargo lost the account. I have requested information over and over again and Wellsfargo can not find this one account. They have located 3 of the 4 accounts. I went to the branch in XXXX XXXX and was told the information was not in their records. How can a bank lost an account. It 's not about the money ( A little over {$200.00} ). It  's about principle and trust. I was told to go and see if I could find the account, then they would be able to assist. This is terrible. The account was last access in XXXX 2006 while I was in XXXX XXXX, South Carolina when my son was in boot camp

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 2017-11-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was contacted via mail by TD bank as " pre-approved '' for a HELOC. One XX/XX/XXXX, I called TD and applied for a {$200000.00} HELOC over the phone. My application was taken by a mortgage specialist. Over the subsequent days my loan went to an underwriter and a hard credit check was performed. On XX/XX/XXXX, I received a call from TD Bank informing me that my application was declined because my primary mortgage with XXXX XXXX XXXX is an Interest Only mortgage and that TD does not provide HELOC loans behind I/O first mortgages. My issue is that I disclosed the XXXX XXXX XXXX I/O loan during the application process and TD should have informed me then of their policy. Instead, they proceeded with an application they would never approve which had a negative impact on my credit score for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I spoke with a representative named XXXX from Equifax, To update my information such as addresses and phone numbers. I also explain to XXXX that I was a victim of identify theft and did n't recognized some inquires that was on my report he asked me which inquires that was n't made by me and I told him and he advise me that those inquires were deleted and provided me with an confirmation number # XXXX. When I received my report in the mail I realized those inquires were not removed like the addresses as stated on the recording. The following Inquires and dates are listed below : XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southern Oregon Credit Service, Inc.
State: CA

Complaint narrative:
My sister called in to talked to them without my permission and they never verified she was me or anything and talked to her without my permission. They violated my rights as a consumer

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX, I received notification from the XXXX credit bureaus that my loan balance with XXXX has increased from {$19000.00} to {$19000.00}. I immediately spoke with a representative at XXXX and was advised that I would need to file a complaint for the incorrect reporting. XXXX sent me a transaction history reflecting the updated balance of {$19000.00} for the updated balance for the at the end of XXXX XXXX. I requested for balance loan to be updated with the XXXX credit bureaus and was denied and advised to dispute the inaccurate reporting myself. Due to the inaccurate reporting it is negatively impacting my able to obtain credit.

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 2017-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I have tried to contact Midland Funding over 10 times in regards to a debt that they sued me for ( and won a default judgement. ) I am trying to eliminate the associated lien on my property and Midland has not even responded to my REPEATED requests. I have called them on the phone numerous times and sent them email, XXXX letters and filled out forms on their website. 


I need them to release the lien on my property IMMEDIATELY and report to the state of WI that all of my judgement has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Dealer Funding, LLC
State: SC

Complaint narrative:
Dealer Funding is on my credit report when it should n't be. The problem that happened was I got it to an horrible car accident and my car insurer paid it off plus I had gap insurance so the car was totaled and paid off, all of this took place in XXXX Now that it is XXXX I have been disputing this company on all three credit bureau and still it is on my credit. The number to the company is no longer in service. Also my mother was my cosigner on this account at it is n't on her credit but its on mines and I 'm not understanding this when it was paid buy the insurance company in XXXX. Please help me resolve this issue because it is a burden on my life!!!!!

Company response to consumer: Untimely response
Consumer complaint received 2017-11-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo XXXX XXXX, Wells Fargo Bank XXXX. 

They are in violation of the law. 

They have acted to file a Notice of Default through the XXXX XXXX XXXX in XXXX XXXX, with regards to a HELOC even though they are accepting monthly payments. See attached letter dated XXXX XXXX, XXXX. 

XXXX XXXX shared with me in a phone conversation that they received a referral from Wells Fargo on XXXX XXXX, XXXX with regards to the loan default. 

I have not received any official notice of default that I understand is required to be sent by registered mail. 

Wells Fargo Bank XXXX. has been accepting payments every month on the loan, and send monthly statements that record the payments and balance. 
XXXX attached statements from XXXX XXXX and XXXX XXXX as examples. 
I have been making monthly payments on the Wells Fargo XXXX and I have been working with the bank over a few years to set-up a plan payment. 
I am in receipt of a letter from Wells Fargo dated XXXX XXXX, XXXX which offers me options to keep the home. I have been calling the representative on the letter almost daily to approach a work-out solution, leaving messages, and he is not returning my calls. 


Because of the public notice, I am getting notified by various predators by mail and phone and XXXX mail on this matter. 

I have applied numerous times and have asked to amortize the loan over a fixed period and have offered an amount for settlement. This was a predatory HELOC loan that is no longer legal in the way it was sold to us. I have been asking for assistance from Wells Fargo since XXXX XXXX. We are constantly denied any assistance yet they keep accepting payments. 

I filed complaint XXXX with CFPB about their practices, and the company Wells Fargo XXXX. responded on XXXX and replied that the matter had been settled. This is a lie.

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 2017-11-08 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: IN

Complaint narrative:
ONCE AGAIN XXXX XXXX XXXX XXXX XXXX FAILDED TO PROPERLY NOTIFY MY OF EXPIRING BENEFITS, THIS WAS DO TO XXXX XXXX XXXX FAILING TO NOTIFY PROTECTION OF ADDRESS CHANGE AND AS A RESULT SUFFERED LATE PAYMENTS ON MY CREDIT REPORTS.

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 2017-11-08 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: Innovis
State: IN

Complaint narrative:
ONCE AGAIN XXXX XXXX XXXX XXXX XXXX FAILDED TO PROPERLY NOTIFY MY OF EXPIRING BENEFITS, THIS WAS DO TO XXXX XXXX XXXX FAILING TO NOTIFY PROTECTION OF ADDRESS CHANGE AND AS A RESULT SUFFERED LATE PAYMENTS ON MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX I send letters to XXXX, XXXX and Equifax regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I filled for bankruptcy chapter XXXX case number XXXX back in XX/XX/XXXX and the bankruptcy was discharged in XX/XX/XXXX. I included all of my debts which included a Citibank credit card which I had take out when I was in college, and when the bankruptcy was filed the outstanding balance was {$730.00} and the debt was included in the list of creditors and was added. While I still in the active bankruptcy XXXX XXXX XXXX called to collect on the debt in XX/XX/XXXX and I explained that the debt was included in my bankruptcy and the bankruptcy case was still active. I provided my case number and attorneys phone number as well. Then after the bankruptcy was discharged they called once more to collect and provided the same information and did explain that attempting to collect on the debt that was discharged and included in my bankruptcy was not lawful. They have not called me since the last conversation regarding the debt but on XX/XX/XXXX, I was reviewing my credit report and XXXX XXXX XXXX is reporting the debt as open and delinquent. Instead of reporting the debt as a discharged debt in the bankruptcy like the other creditors they have been reporting negatively on my report. All of my other debts have been paid on time and whats negatively impacting my credit after the bankruptcy is this reporting. I require assistance with this collection company which has been advised twice and have spoken to my bankruptcy attorney about the veracity of the discharge, they continue to do harm to my character and my credit. From the credit report it has the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone number XXXX, original creditor Citibank, the report shows that they will keep it on record until XX/XX/XXXX. Account number XXXX has is XXXX, date opened with XXXX XX/XX/XXXX.  My phone is 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