vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Selene finance is the mortgage servicer, I closed on my property on XX/XX/2021 and had to make my first payment on XX/XX/2021, I Made the payment on XX/XX/2021 to Selene finance, on XX/XX/XXXX I received a letter from Selene finance stating that they had sold my loan to XXXX XXXX on XX/XX/2021 but failed to send me notice, the payment made to them was never applied to my account nor forwarded to XXXX XXXX, now XXXX XXXX wants the XXXX payment from me, i have made many calls to Selene financial to send the payment to XXXX XXXX but after 4 months they still havent, I have provided all this info to XXXX XXXX but they continue to harass me for the XXXX payment being stolen by Selene finance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
It seems that American express has difficult time getting new customers or retaining old customers that's why they are making it really complex credit card closing terms and conditions. I had a Blue cash prefferred card opened during XX/XX/XXXX. Today when i called to cancel it, I spoke to XXXX ( XXXX XX/XX/XXXX at XXXX XXXX  central time ) who told me that if i cancel it before 12 months, I will be asked to return back {$300.00} that American express gave me as part of statement credit. I told that i earned that NOT American express just gave it to me. 
She told me that it was mentioned in the card member agreement. When i asked her to send it to me by email, she said that it will sent by paper mail. 

When i requested to make a note in her file and cancel my card on XXXX XXXX XXXX she said that she can't schedule it and i need to call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In the past year, i been struggling due to the Covid 19 hardship. I have not been able to keep a job since the Covid hit in 2019. The company did help me when the covid first hit, but refuses to help me any further. I have been unemployed for the last 4 months. Worked some side jobs as i was able to to make ends meet when i could find work. I just finally found work but i just started. The company is trying to report in accurate information to the credit bureaus. My payments are due on the XXXX of every month. I just paid XXXX which they will end up getting by Tuesday, or Wednesday the latest. So in reality, my XXXX payment is not 30 days past due yet. It will not be late till after XX/XX/XXXX. They are claiming i am 60 days past due and reported my XXXX payment, and my XXXX payment delinquent! They are also claiming i owe for XXXX. My profile is showing that i owe for 3 months, XXXX, XXXX, and XXXX. I do not owe for XXXX till the XXXX! They need to fix my account page to reflect this. They also need to change my credit reports so its only showing me 30 days past due, not 60 like it is stating. The credit reports only show 30, 60.90.and 120 days past due securements. You can not jump ahead and tell the credit bureaus that i am 60 days past due when i wasn't! This is illegal! They only are allowed to report XXXX payment late since that is 30 days late. XXXX payment is not considered late till after XX/XX/XXXX. This company isn't just hurting my credit, but also my girlfriend 's credit since she cosigned for me. I take this very seriously. Its not my fault that this company has no heart and refuses to help me in this difficult time! I am doing my best to get work and keep it, and to pay all my bills in a timely manner. I am going to be filing for bankruptcy, and am trying my best to keep this account out of the bankruptcy, so it does not effect my girlfriends credit. I will not be using this bank again after this! Does not care about their customers in this difficult time! They only offered me 2 deferral periods, no other options in helping their customers like other banks do like unemployment insurance when loosing a job, or lowering your payments for 6 months. Nothing else was ever offered to me. They need to fix my account and credit reports to show i am only 30 days past due, not 60! I am planning to leave an online review about my experience of how i am being treated so others can avoid this bank!!!

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 2021-11-07 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: IL

Complaint narrative:
In the past year, i been struggling due to the Covid 19 hardship. I have not been able to keep a job since the Covid hit in 2019. The company did help me when the covid first hit, but refuses to help me any further. I have been unemployed for the last 4 months. Worked some side jobs as i was able to to make ends meet when i could find work. I just finally found work but i just started. The company is trying to report in accurate information to the credit bureaus. My payments are due on the XXXX of every month. I just paid XXXX which they will end up getting by Tuesday, or Wednesday the latest. So in reality, my XXXX payment is not 30 days past due yet. It will not be late till after XX/XX/XXXX. They are claiming i am 60 days past due and reported my XXXX payment, and my XXXX payment delinquent! They are also claiming i owe for XXXX. My profile is showing that i owe for 3 months, XXXX, XXXX, and XXXX. I do not owe for XXXX till the XXXX! They need to fix my account page to reflect this. They also need to change my credit reports so its only showing me 30 days past due, not 60 like it is stating. The credit reports only show 30, 60.90.and 120 days past due securements. You can not jump ahead and tell the credit bureaus that i am 60 days past due when i wasn't! This is illegal! They only are allowed to report XXXX payment late since that is 30 days late. XXXX payment is not considered late till after XX/XX/XXXX. This company isn't just hurting my credit, but also my girlfriend 's credit since she cosigned for me. I take this very seriously. Its not my fault that this company has no heart and refuses to help me in this difficult time! I am doing my best to get work and keep it, and to pay all my bills in a timely manner. I am going to be filing for bankruptcy, and am trying my best to keep this account out of the bankruptcy, so it does not effect my girlfriends credit. I will not be using this bank again after this! Does not care about their customers in this difficult time! They only offered me 2 deferral periods, no other options in helping their customers like other banks do like unemployment insurance when loosing a job, or lowering your payments for 6 months. Nothing else was ever offered to me. They need to fix my account and credit reports to show i am only 30 days past due, not 60! I am planning to leave an online review about my experience of how i am being treated so others can avoid this bank!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In the past year, i been struggling due to the Covid 19 hardship. I have not been able to keep a job since the Covid hit in 2019. The company did help me when the covid first hit, but refuses to help me any further. I have been unemployed for the last 4 months. Worked some side jobs as i was able to to make ends meet when i could find work. I just finally found work but i just started. The company is trying to report in accurate information to the credit bureaus. My payments are due on the XXXX of every month. I just paid XXXX which they will end up getting by Tuesday, or Wednesday the latest. So in reality, my XXXX payment is not 30 days past due yet. It will not be late till after XX/XX/XXXX. They are claiming i am 60 days past due and reported my XXXX payment, and my XXXX payment delinquent! They are also claiming i owe for XXXX. My profile is showing that i owe for 3 months, XXXX, XXXX, and XXXX. I do not owe for XXXX till the XXXX! They need to fix my account page to reflect this. They also need to change my credit reports so its only showing me 30 days past due, not 60 like it is stating. The credit reports only show 30, 60.90.and 120 days past due securements. You can not jump ahead and tell the credit bureaus that i am 60 days past due when i wasn't! This is illegal! They only are allowed to report XXXX payment late since that is 30 days late. XXXX payment is not considered late till after XX/XX/XXXX. This company isn't just hurting my credit, but also my girlfriend 's credit since she cosigned for me. I take this very seriously. Its not my fault that this company has no heart and refuses to help me in this difficult time! I am doing my best to get work and keep it, and to pay all my bills in a timely manner. I am going to be filing for bankruptcy, and am trying my best to keep this account out of the bankruptcy, so it does not effect my girlfriends credit. I will not be using this bank again after this! Does not care about their customers in this difficult time! They only offered me 2 deferral periods, no other options in helping their customers like other banks do like unemployment insurance when loosing a job, or lowering your payments for 6 months. Nothing else was ever offered to me. They need to fix my account and credit reports to show i am only 30 days past due, not 60! I am planning to leave an online review about my experience of how i am being treated so others can avoid this bank!!!

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 2021-11-07 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: OH

Complaint narrative:
XXXX XXXX  reported an unauthorized inquiry to equifax on XX/XX/2021. i did not give permission to report. 
i submitted a FTC report and sent it to equifax on XX/XX/2021. no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: OH

Complaint narrative:
on XX/XX/2021 XXXX XXXX reported an unauthorized inquiry to XXXX  and equifax. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies on XX/XX/2021. no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
fXXXX XXXX XXXX reported an unauthorized inquiry to experian on XX/XX/2021. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to experian on XX/XX/2021. still no response.

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 2021-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/2021 i applied for credit in which i was denied for the amount of {$12000.00} and received an adverse action letter from Ally Bank. Pursuant to 12 CFR 1002 regulation b, it protects applicants from discrimination in any aspect of a credit transaction. Ally Bank has discriminated against me and discouraged me to extend credit. Also pursuant to 15 USC 1681a ( k ) ( 1 ), it was never mentioned a denial for credit. Ally Bank has violated my federally protected consumer rights and has caused emotional and mental stress after reading the adverse action form sent to my home, showing they are willingly and knowingly taking action in false and misleading practices. Such violations holds Ally Bank criminally and civilly liabel. Attached to this complaint is the adverse action form from Ally. There is no third party involved in this complaint, i XXXX XXXX give authorization for the CFPB and Ally Bank to move forward with this complaint.

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 2021-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello. I dont know what to start with. XXXX my first account, theres were fraud mobile deposit that I hadnt made but someone apparently got accessed to it. They closed down. XXXX XXXX, they closed down for no reason. They told me that they cant tell me why. XXXX closed down because someone also had accessed to online banking same as XXXX. Check returned. XXXX  XXXX XXXX and XXXX, Someone used my SSN number to created it and it was fraud also. Now Im going through with a Suntrust. My phone was stolen with no passcode on it and someone went in my online bank on my phone. Theres were user and password on my phone in the notes so of course they deposited a check apparently thats what Suntrust said. I dont know. They dont show me what my account looks like. 2 or 3 weeks ago, I came there to change my number because I had another phone since my XXXX was stolen. Suntrust also gave me another account while the account are under review. I was able to use it until yesterday. Few days ago I deposited my check and I was able to swipe before yesterday then I found out today by calling them they said its in processing closing my account with my money in it. First off, why did they gave me another suntrust account then let me Deposited it in the first place then in process of closing. This none makes sense. My rent money is in there. Unfortunately, they said I can not withdraw my money at all until they close also. I dont know how to do fraud or scam thing so it couldnt possibly be me. One day Ill be arrested for something I didnt do.

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 2021-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for an extension of credit in which i was denied and received an adverse action letter using obscene and proface language from Home Depot Credit Services stating that i was denied. Pursuant to 12 CFR 1002 regulation b, it protects applicants from discrimination in any aspect of a credit transaction. Home Depot Credit Services has discriminated against me and discouraged me to extend credit. Also pursuant to 15 USC 1681a ( k ) ( 1 ), it was never mentioned a denial for credit. Home Depot has violated my federally protected consumer rights and has caused emotional and mental stress after reading the adverse action form sent to my home, showing they are willingly and knowingly taking action in false and misleading practices. Such violations hold Home Depot criminally and civilly liabel. Attached to this complaint is the letter from Home Depot labeled as exhibit A and B. There is no third party involved in this complaint, i XXXX XXXX give authorization for the CFPB and Home Depot Credit Services to move forward with this complaint.

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 2021-11-07 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported my credit card stolen on XX/XX/XXXX to Bank of America. There were two unauthorized charges on my account one to XXXX for XXXX and one to XXXX XXXX for XXXX. The first time I called the Bank they did not enter in all of the information correctly resulting in my claim being denied. The second time I called the bank they said that I should write a written report and I did but my claim was still denied. The Third time I called they asked for a police report so I got one and the bank said it should be resolved, but my claim was still denied. I reopened the case again and told me It was denied because an after pay charge was charged after I reported my card, and I let them know it was an after pay charge and I cant control what day it gets charged. They have made me call them at least 6 times- each time they tell me it will be resolved because the details are all there but then each time it is denied and I have to call and retell my whole story over and over. Each time I spend at least 30 minutes on the phone with them. I have banked with them since XXXX  and Im having such a hard time getting my money back for these fraudulent charges.

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 2021-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
We received and were approved for loss mitigation in XXXX after a long lengthy process. They tacked on exorbitant legal fees and other fees. We bagan making payments after never receiving any paperwork other than a letter that we were no longer in foreclosure. Payments were being made with no knowledge of where to send them. We sent to the address in the paperwork, when I called about this the CSR said that this was normal during loss mit and continue to make payments. We did and it was still being reported to the Credit Agencies that we were in default. On XX/XX/XXXX, I received XXXX statements with a due date of XXXX. When we called them they informed us that our payments were going toward attorney fees when that is not what the paperwork stated, they were added to the balance. We want to pay via ACH but they wont let us stating we are behind, then we were told we only owe XXXX. They sent me a statement which was so confusing I couldn't understand it. Now today I got a letter that we are in default which is not true. I want to refinance with another bank so I don't have to deal with them anymore. I have never dealt with such incompetence in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: GA

Complaint narrative:
After repeated attempts direct express does not answer calls even when wait time is far from acceptable even into days with know success. I was directed to web site call just answer from direct express Website and was charged XXXX dollars just for going there direct express on XXXX XXXX sent me to set up account on line I was sent to just answer on XX/XX/XXXX I was able to connect to direct express by phone who informed me that they were familiar with this problem to remove my money from my card and close it I did this on XX/XX/XXXX. After that call they unsuccessfully transferred me to some one to start the dispute process and nothing happened no one came on the line for my details I receive emails XXXX XXXX from just answer and get charged XXXX dollars to call them back no one ever answered the phone and cant set up on line due to this place stealing money more money I dont want them I want direct express to give me back my money not in 90 days now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Linda Strumpf
State: NY

Complaint narrative:
There was a hard inquiry on the XXXX credit report from said debt collector, and now I have received a letter to collect a debt. I have no knowledge of this dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The attachment is being submit to the compliant that was file on XX/XX/XXXX /these evidence document support the fact and needed to be review by the bank and department ( FDIC XXXX this document was issue in XXXX from Senior Vice President XXXX XXXX XXXX the TD Bank XXXX. these supporting document will show that the XXXX did indeed have overdraft pretention service since XXXX went they first open that account at TD Bank. that was offer by the vice president and the represent of the TD bank. .The compliant on XX/XX/XXXX. # XXXX These document go with that compliant that was file Last week. about this the problem

Company response to consumer: Closed with explanation