vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, at first I was {$6000.00} behind in mortgage payments because it was supposed to be automatically debited from my account Selene finance LP but it was not. When I finally noticed I was behind on payments I made a call to the company and a representative from Selene told me I could make a payment of {$3000.00} and I was told by a representative I was able to send the {$3000.00} and the supervisor at Selene finance LP told me I could not send it and they needed the whole payment of {$6000.00} and this is the same supervisor who told me to do a loan modification but it was denied twice. They are now planning to foreclose on my home and I am now behind {$12000.00} in mortgage payments. Which all started because my next door neighbor XXXX XXXX XXXX ) who is a realtor broker refused to give me her insurance company information because her water heater bust which caused mold to my townhome. She would not take any responsibility for any of the damages. I had to sleep in my car an entire year while I was repairing my home myself. The money the I couldve been making payments towards my home on went to repairs on my home and my mortgage company did not help me with any of this process denying my loan modification twice i feel Selene finance Lp is discriminating towards me because I am a XXXX XXXX XXXX XXXX  citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Consumer Financial Protection Bureau Consumer Response Center XXXXXXXX XXXX XXXX, XXXX Washington , DC XXXX To Whom It May Concern : I am writing to request the removal of any and all inaccurate personal information from my experian credit report. I have done research on Section 15 - 611 of the Fair Credit Reporting Act ( FCRA ), and I believe that the information is inaccurate and should be removed. 

The specific information that I am disputing is the following : Any address other than XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 
I have never lived at any other address, and I believe that this information is incorrect. I have attached a copy of my lease agreement as proof of my current address. 

I am requesting that you investigate this matter and remove the inaccurate information from my credit report. I am entitled to do this under Section 15 - 611 of the FCRA. 

I would appreciate it if you could investigate this matter and remove the inaccurate information from my credit report within 30 days. If I do not hear from you within 30 days, I will file a complaint with the Federal Trade Commission ( FTC ). 

Thank you for your time and attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/2023 at XXXX XXXX, the charge was in the amount of {$75.00} at XXXX. I been disputing this since XX/XX/XXXX. I used my card the night before at XXXX XXXX and I checked on XX/XX/XXXX to make sure my charge was correct. This is when I discovered a charge at XXXX was done the day after. I immediately, contacted Cash App ( chat ), XXXX, was the person or bot that I explained this was not my charge. I also, mentioned that I had removed my bank info as I did not know how breached my account was and that I had about {$46.00} on my cash app in which I used {$36.00} at a gas station to use the rest of the money on it, leaving {$6.00} and change. I received an email from a rep, XXXX via email who said they were researching it and it could take 3 to 10 days. I did not hear back from anyone after 10 days. I reached out via email for status. On XX/XX/XXXX via email I was told my claim was denied. 
I have never had an issue with Cash App, which I had for 2 plus years. I am convinced that someone at the XXXX XXXX used my card. However, I am highly disappointed that with my history I was denied. I called 2 weeks ago on XXXX ( XXXX ) XXXX and spoke with XXXX, who told me that I would here from someone via email, XXXX 2 to 3 days of my appeal. I have yet to hear from anyone via email or by phone. Today, I again reached out to support via ( Chat ) on the Cash app and being told someone will reach out via email. I am requesting that Block Inc. and its subsidiary Cash App send me document proof that charge I am disputing is my charge within the next 30 days. If they can not provide proof this is my charge to refund this amount back to me. I have chatted with, XXXX, XXXX, XXXX, XXXX, and Advocates which never leave a name from XX/XX/XXXX to XX/XX/XXXX. I continue to get the line someone will reach out via email which I never get. I just want this money returned so I can close out my Cash App account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Sure, here is the letter recrafted to the Federal Trade Commission ( FTC ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX To whom it may concern : I am writing to dispute a 60-day late payment on my credit report that is being reported by Experian. The late payment is for a XXXX XXXX XXXX credit card account with the account number XXXX. The date of the late payment is XX/XX/2023. 

I believe that this late payment is inaccurate because I made the payment on time. I have attached a copy of my payment receipt as evidence. 

I am requesting that you investigate this matter and help me to get the late payment removed from my credit report. I am entitled to do this under Section 15 611 of the Fair Credit Reporting Act ( FCRA ). 

I would appreciate it if you could investigate this matter and help me to get the late payment removed from my credit report within 30 days. If I do not hear from you within 30 days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

Sincerely, 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 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.

Complaint narrative:
My original complaint to you was ID XXXX. You helped because they finally sent me a check for {$8500.00} which is what they took out of my account. However, I also asked them for the following : 1. reimbursement for expenses - telephone XXXX since XX/XX/XXXX for calling them to try to resolve the situation 2. interest on my money I could not access because of their incompetence in sending me the balance in my checking account of {$18000.00} plus the {$8500.00} illegitimate check they deducted from my account after I told them it was illegitimate 3. compensation for the fact my monthly pension payments could not be made because they insisted on closing my account, told me I could open a new one in a few minutes which I could not do because I live in the XXXX XXXX which they knew at the beginning of the conversation. This resulted in a long delay of my getting my funds. On top of that once I had the check for XXXX and deposited it into my Citibank XXXX account it took seven weeks for it to clear. Because of the extenuating circumstances and despite the fact that I asked for the money to be transferred electronically I would have hoped Citibank US could have guaranteed the check they sent to Citibank XXXX so I could have immediate access to MY money. This was a total of {$26000.00} which I had saved to pay my XXXX XXXX taxes and the lawyer 's fees for my husband 's recent death. When they said they could only send a check it took two hours on the phone to get them to agree to send it by XXXX. And then I had to call them constantly because they did not send it in a timely fashion- took weeks. Subsequent to receiving that check I had to call to get them to send me the {$8500.00} which only happened when you contacted them. This created financial problems for me in the short term because I did not have access to the money I saved to pay my bills. 
4. It also caused me great anxiety not knowing when and if I would get my money, trying to open a new account and trying to rearrange my two pensions to be paid to me by other means.

5. The fraud dept sent me a form to fill out and return in 10 days. It took 18 days to get to me. I called immediately and told them I just received it and would send it back special delivery. A few days later they closed the case because my form wasn't returned in ten days. 

In addition, their letter ( see attached ) does not respond to all the points I outlined in my earlier letter to them which I had sent to you ( see attached ). 

I hope you will be able to help me again and ensure that Citibank behaves with integrity and pays me compensation and interest. To not do so compounds their negligence and gross misconduct. 

Thank you for your consideration.

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 2023-09-03 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: NV

Complaint narrative:
I did not authorize these companies to run 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 non-monetary relief
Consumer complaint received 2023-09-03 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: NV

Complaint narrative:
I did not authorize these companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: Experian Information Solutions Inc.
State: DE

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 2023-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted this agency and they appear to have knowledge of my credit history. They are local and seem to have a systemic view of my credit score and they are assured that they will receive my payments in advance in public service forgiveness loans. I have contacted them and they have shared they are not improving my credit score because of past debt. The credit history will reflect this. They shared I have correct information in the system. This loan was cleared in XXXX. 2 Federal Stafford Loans. Pell Grants. Also I received grant money and scholarships in XXXX. The credit history will reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) COLLECTIONS- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3 LATE PAYMENTS. 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( 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. 1681s-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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Company in violation Bridgecrest : Acct # XXXX 15 USC 1601 15 USC 1681s-2 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 7 ) ( 8 ) 15 USC 1692e ( 8 ) 12 CFR 1006.42 ( a ) ( b ) 12 CFR 1006.34 ( a ) ( i ) ( B ), ( c ) ( 1 ) ( 2 ), ( 3 ) ( i ), ( 4 ) ( i ) ( ii ) ( iii ) 12 CFR 1006.18 ( c ) ( 2 ), ( e ) 12 CFR 1006.6 ( b ) ( ii ), ( d ) ( 3 ) ( i ) ( ii ), ( 4 ) ( i ) ( B ) ( ii ) ( A ) ( B ), ( e ) 12 CFR 1026.5 ( a ) ( b ) ( e ) 12 CFR 1026.9 ( a ) ( c ) ( h ) 15 USC 1692f ( 8 ) Also including : " Illegal Repossession Attempt '' occurance on XX/XX/2022 due to company failure to notify XXXX XXXX XXXX XXXX issues resolved which resulted in damages to vehicle. Neither Bridgecrest nor XXXX are claiming responsibility. Filed complaints with proper agencies in recovery of damages for both companies Numerous calls of opt out and only wanting information sent via MAIL due to privacy concerns

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 2023-09-03 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: PA

Complaint narrative:
I XXXX XXXX have noticed some unauthorized inquiries appearing on my credit report I have listed the inquiries below and uploaded supporting documents. 

1.XXXX  XXXX XXXX XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXXXXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XX/XX/XXXXXXXX 7. XXXX 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 non-monetary relief
Consumer complaint received 2023-09-03 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: DE

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 2023-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
First of all, I qualify for the PSLF loan forgiveness. Mohela has miscalculated my payments and time in service. I would like a resolution to this. I believe that they deliberately miscalculated my loans so that I would not be able to close out my loans during the TPSLF period. But now that deliberate miscalculation means that I am stuck in the same situation. 
On the other hand, they keep sending me emails to tell me that loans are restarting but their website is down and has been for some time. 
How am I supposed to manage my loan payments when I can not even sign into the lenders website. The complaints against Mohela are numerous and they are still permitted to hold loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
This agency provided obscured documents and seems to have reported inaccurate information to the credit agency about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to bring to your attention a serious and concerning issue I recently encountered with Capital One concerning fraudulent activity on my credit card account. I believe that Capital One 's handling of my situation demonstrates a reckless, unfair, and possibly illegal position that fails to meet its responsibilities under federal consumer protection laws, including the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), as well as its obligations to me as a consumer. 

-- Timeline of Events -- -- Incident with XXXX On XX/XX/2023, I received a package from XXXX containing items that I did not order. 
After contacting XXXX, I was informed that another customer had placed an order using my credit card information, but that due to privacy regulations, they could not disclose further details about the account in question. 
XXXX instructed me to report the matter to my credit card company. 

-- Interaction with Capital One Immediately after my conversation with XXXX, I contacted Capital One to report fraudulent activity and to cancel my current card for reissue. 
Despite providing all the relevant facts, Capital One concluded a cursory investigation, stating that the charges were legitimate because they were shipped to my address and were from a retailer with whom I had previously conducted business. 
I participated in a three-way call with XXXX and Capital One, where XXXX again confirmed that the order came from an account unrelated to me. However, Capital One continued to dismiss my claim. 

-- Key Issues : Failure to Conduct a Comprehensive Investigation : Capital One failed to adequately investigate the situation, taking into account only the shipping address while ignoring other relevant facts. 
Ignoring Documentation and Third-Party Confirmation : Even after a three-way call with XXXX, who confirmed the fraudulent activity, Capital One dismissed the evidence provided. 
Violation of Consumer Rights : Capital One 's actions seem to be in direct violation of the XXXX and XXXX, which require credit card companies to properly investigate disputes related to " unauthorized charges. '' -- Request for Action I am seeking immediate reimbursement of the fraudulent charges : {$140.00} from XXXX dated XX/XX/2023 {$100.00} from XXXX dated XX/XX/2023 I hope that the FTC will take prompt action to investigate this matter. I am more than willing to provide any additional information or documentation that may be necessary for your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, Complainant

Company response to consumer: Closed with monetary relief