vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
Selene Finance is not abiding by any rules that were enacted to help homeowners experiencing a hardship during Covid. They state i filled out and already submitted a mortgage assistance application request which is impossible. I have not filled out anything yet for much needed mortgage assistance and am trying to do so now. Only Selene states that XXXX is the one who informed of them of such mortgage assistance application that i filled out as they transferred me over to them at the beginning of the year on XXXX Am I missing something? When did word of mouth between servicers become acceptable for something like this? I need to see these documents that XXXX states I supposedly filled out. 

Please note, anything that is produced that is being used as an submitted application for assistance from me is going to be 100 % false and constitutes fraud. I have not filled out any such application yet and am trying to do so now. 

Aren't there rules XXXX must follow? How can they just state and do whatever they want? When is word of mouth from another servicer good enough over the actual homeowner who would know if he or she filled out something and submitted it or not. 

Please submit these documents for mortgage assistance that i supposedly filled out and submitted. If there are such docs that can be produced, those docs were not filled out by me and that constitutes fraud. 

Please see attached docs for backup to what i say.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: OH

Complaint narrative:
I went to the car dealer they told me they were only running my credit through XXXX but it was 26 hard inquiry 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

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 2022-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX ACCT XXXX XXXX {$10000.00}, XXXX XXXX ACCT # XXXX {$3800.00}, XXXX XXXXXXXX XXXX ACCT XXXX XXXX {$8900.00}, XXXX XXXX XXXX ACCT XXXX XXXX {$8300.00}, XXXX XXXX XXXX ACCT # XXXX-XXX {$9200.00}. ADDRESSES NEVER LIVED AT ADDRESSES : XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX MI 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 2022-06-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX ACCT XXXX XXXX {$10000.00}, XXXX XXXX ACCT # XXXX {$3800.00}, XXXX XXXXXXXX XXXX ACCT XXXX XXXX {$8900.00}, XXXXXXXX XXXX XXXX ACCT XXXX XXXX {$8300.00}, XXXX XXXX XXXX ACCT # XXXX-XXX {$9200.00}. ADDRESSES NEVER LIVED AT ADDRESSES : XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Santander Consumer incorrectly has on my credit reports for XXXX and XXXX a missed payment of a missed payment back in XX/XX/2020 which I want corrected to paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/22 someone used my personal information to open a Bank of America XXXX XXXXXXXX credit card.

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 2022-06-23 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 — Investigation took more than 30 days
Company: Veros Credit, LLC
State: CA

Complaint narrative:
On XX/XX/2022 during a visit to a dealership and i was alerted that their was a repossessed vehicle with an outstanding balance on my credit of {$10000.00} showing from VEROS CREDIT. I have never had any vehicle from them nor did i authorize any. Afterwards i made a police report and tried to resolve it with VEROS credit. Attached is the conversation between us via email in which i stated multiple times i did NOT want to speak on the phone because i wanted all of our communication in writing. I gave them everything they asked me for and followed up so many times. This is affecting my day to day life because i need to move out and can not qualify for anything because this displays on my credit. They have never reached back out to me with any solutions. Attached below is also the police report, my ID and documents i sent over to veros and an affidavit i sent over to them as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent numerous complaints for XXXX and XXXX also trans union to remove items from my reports. I even filed reports with the ftc.gov. and fraudulent items still seem to appear on my 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 explanation
Consumer complaint received 2022-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent numerous complaints for equifax and XXXX also XXXX XXXX to remove items from my reports. I even filed reports with the ftc.gov. and fraudulent items still seem to appear on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I applied for a apartment and the leasing office told me i had a debt from an apartment.Which i never even had an apartment before .Therfor that was untrue.I checked my credit report an dsee the national credit system said i owed {$2200.00} to XXXX XXXX XXXX. i never stayed there before.Someone stole my idendity and had got an apartment in my name. This needs to be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Parkway Financial Group, LLC
State: CA

Complaint narrative:
In or about XX/XX/XXXX a request was made by me to remove escrow payments from the monthly mortgage with lender Inspire Home Loans serviced by XXXX See attachment email confirming inquiry ticket XXXX. 

In a letter dated in or about XX/XX/XXXX I was notified that the escrow removal was denied due to the loan to value ratio on the property not meeting an 80 % value. See attachment. 

This is incorrect and does not apply to the guidelines set by government backed enterprises such as XXXX XXXX  See the following from their website : In general, to qualify for an escrow waiver on a conventional loan, youll need : XXXX below 80 % ( meaning you have more than 20 % equity in your home ) No recent delinquencies No loan modifications No previous defaults on an escrow waiver The home was recently appraised a value of {$500000.00} during a Brokers appraisal that took place on XX/XX/XXXX by lenders own agent. See attachment. 

The current owed loan amount is {$350000.00} see attached, and the value of the property was assessed at {$500000.00}. 

This would mean the loan to value ratio is well below the 80 % threshold as XXXX is 69 %. 

Multiple multiple attempts have been made to resolve this issue with the mortgage lender and loan servicer. 


Also, during a previous complaint see, XXXX, it was stated by XXXX supervisor XXXX in a phone conversation On XX/XX/XXXX that monthly PMI payments made between XXXX and XXXX totaling {$280.00} would be refunded once the new value of the home was established. In an attempt to retrieve this reimbursement I was denied citing a decision was made to not honor the reimbursement.

Please get these issues resolved and grant the escrow waiver as requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have 4 unauthorized inquiries in my credit report. 
XXXX XXXX XXXX XXXX XXXX hard inquiry someone applies for a loan over the phone 2-Sams club  XXXX hard inquiry someone trying to get a credit card 3-PayPal XXXX someone trying to finance online 4-amazon XXXX someone trying to apply for a credit card

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 2022-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation
State: MD

Complaint narrative:
Account Resolution placed this alleged debt on my credit reports back in fall XXXX two years after the account was created by them. I disputed it with XXXX, XXXX, and XXXX which ARC failed to validate the debt within the allowed 30 days. XXXX and XXXX promptly removed it. 

XXXX however did not. When I disputed it again with XXXX ARC was allowed another 30 days which violated The Fair Credit Reporting Act ( FCRA ). With this second dispute I unknowingly give them access to my medical PII they never had rights to in the first place and the amount has on my credit report has inaccurate amount of either XXXX or XXXX dollars which another reason why it must be removed. 

As I wanted the matter resolved, I sent a certified letter to ARC back in XX/XX/XXXX to negotiate a account settled which they never responded to. 

Upon further research I found out they are in violation of the No Surprises Act ( NSA ). 

I want the the collection deleted off my XXXX report as they have no grounds to contest payment, never provided me any contract of paying ARC for the debt, and the alleged client has passed any statute of limitations to sue me over the alleged medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am applying for the U.S. Bank XXXX XXXX XXXX XXXX  on XX/XX/XXXX, since I receive a mail inviting me to open the account. I am also a US bank checking account customer and a customer for Fidelity Rewards Visa Signature Card which is part of US bank. I have a credit score of over XXXX. In the US bank card application, they don't set any rule for how many recent accounts I should have in order to get the card approved. I applied for the card but the application gets turned down because I have too many recent accounts, however, I only have 3 credit card hard inquiries ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) in the recent 12 months and 1 hard inquiry ( XX/XX/XXXX ) for the recent 6 months, and after XXXX this year, I will only have 2 hard inquiry in recent 12 months, and 0 hard inquiry for recent 6 months. I have attached the credit inquiry from both XXXX and XXXX credit reports in this complaint. This is should not be counted as too many recent accounts in any scenario. If a US bank has any hard rule for how many recent accounts you want to see, like XXXX has a XX/XX/XXXX rule, you should clearly write it up before I send my application, rather than waste one of my hard inquiries and lower my credit score. Now I really think this is unreasonable, and I know several people have more recent inquiries than I did and get approved for this credit card. I feel I have been treated differently and unfairly. When I call the US bank underwriter service for manual review, they just keep repeating like a robot that I have too many recent accounts, and are very impatient and rude. I feel very uncomfortable as a US bank customer now. I would like US bank to treat me fair and equally and manually review my application again. As I have explained before, I don't have too many recent accounts and this is not a valid reason to turn down my application.

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 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: PA

Complaint narrative:
Statement of a checking account opened in my name with : Comerica Bank, This is fraudulent, I did not open an account, don't know anything about this bank. 

Also received a letter from XXXX XXXX XXXX XXXX XXXX XXXX of a closure of a deposit account which I never opened and never had any dealings with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I recently paid off my mothers mortgage with a personal loan. The loan was for {$21000.00}. Then did a closing with a lawyer. The house is now mine ( mom is XXXX ). My plan was to use the equity in the home for a home equity loan to lower my rate from 8 % to 3 %. Also from a 6yr personal loan to a 15yr home equity considerably lowering my monthly payment. The Check was received by the mortgage company in XXXX and processed XX/XX/XXXX. It is now XX/XX/XXXX and the lein has not yet been discharged. I have made several phone calls and been given the run around. My bank that is carrying my personal loan has also spoken with the mortgage company along with the county where the home is located. Every month I'm losing money!! Please help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union is attempting to fraudulently claim debt : Outstanding {$11000.00} Bad Debt, Collection. Fraudulent In the past I have experienced Identity Theft. I reported that information to Navy FCU in 2021. 

I do not know the owner of this account. This Account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: OH

Complaint narrative:
I went to the car dealer they told me they were only running my credit through XXXX but it was XXXX hard inquiry XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: OH

Complaint narrative:
I went to the car dealer they told me they were only running my credit through XXXX but it was XXXX hard inquiry XXXXXXXX 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

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 2022-06-23 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: GA

Complaint narrative:
Referencing back to Complaint:XXXX XXXX is still failing to reinvestigate for the following accounts XXXX Bank and XXXXXXXX XXXX of the amount {$460.00}. I have the right to privacy by law and they do not have my written consent to furnish or report anything outside the permissible purpose. EXPERIAN has removed XXXX Bank from my consumer report on complaint XXXX XXXX XXXX2022 in one of the attachments below due to not having my written consent so I demand XXXX to reinvestigate and remove and block both accounts XXXX BANK AND XXXXXXXX XXXX  XXXX I demand for EXPERIAN to comply block and delete XXXXXXXX XXXX because that account came from XXXX BANK that they removed from my consumer report. On XX/XX/XXXXI sent XXXXXXXX XXXX an affidavit of truth via certified mail of several violations to me as a federally protected consumer and I have yet to receive a response from that. Referencing back to complaint XXXX XXXX XXXX received a cease and desist letter on XX/XX/XXXX and should cease all communication including my consumer report which is considered a medium and reporting anything is indirect communication according to the law.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reporting is inaccurate this is ground for removal, and they also violated my rights under 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Here 's my certified mailing tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-23 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: Island Finance Puerto Rico
State: PA

Complaint narrative:
I have 4 unauthorized inquiries in my credit report. 
1- Island Finance LLC XXXX hard inquiry someone applies for a loan over the phone XXXX XXXX  XXXX hard inquiry someone trying to get a credit card XXXX XXXX someone trying to finance online XXXX XXXX someone trying to apply for a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XX/XX/XXXX I disputed a collection account XXXX XXXX XXXX, on my Equifax online stating it was not mine/no knowledge of this account. XX/XX/XXXX I received a response back stating remains/verified *but with no status date. * Which indicates no investigation was done. XX/XX/XXXX Mailed a dispute letter for collection accounts XXXX XXXX XXXX  XXXX. Mailed a redispute for XXXX XXXX XXXX. To this day XX/XX/XXXX still have not received anything well pass 45 days. XX/XX/XXXX Redisputed online about XXXX XXXX XXXX. XX/XX/XXXX Received same response remain/verified but with no status date. Which means no investigation. Called Equifax on XX/XX/XXXX re-disputed XXXX XXXX XXXX with representative. Received the same response by mail with no status date. No investigation. XX/XX/XXXX Mailed re-dispute for XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XX/XX/XXXX Spoke with a representative today explained my situation that no one is investigating they are just sending me information or nothing at all, I feel to be quiet. I am only asking for my information on my credit report to be accurate. She began to tell me she couldnt delete my information. I explained to her I know my rights if there is any inaccurate or incomplete information on my report then it has to be deleted. I politely ended the call when she kept reminding me what she couldnt do. Which is the same thing I been complaining about them not doing a proper investigation. So now Im filing a complaint with you to hopefully assist.

Company response to consumer: Closed with explanation