vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: WA

Complaint narrative:
My wife and I, along with our son bought some commercial property ( rental property ) in XXXX, FL through a small business we started for that purpose ( XXXX XXXX, XXXX ), in XXXX. We originally started with a private lender and rolled that into a commercial mortgage in the fall of XXXX with XXXX That mortgage note was purchased from that original lender by Selene Finance LP ( www.selenefinance.com ) in early XXXX ; Selene did not correctly import our contact information, other than our address where we received notification that they had taken over the note and that the loan was in default. As we attempted to contact them they refused to speak with us ( Specifically XXXX who is majority owner of XXXX XXXX and is handling much of the business since he's in FL ). They did have my wife 's name down in their records but not myself or my son. We went back and forth submitting third-party authorization forms which they claimed we never sent, calling, emailing so that our son XXXX XXXX XXXX who lives in XXXX and manages these properties and is handling much of the business, could interact with Selene and make the payments. XXXX was the interface for our commercial bank account and was the only XXXX authorized to write checks or make ACH payments. This process took several months all the while Selene refused payment and so our account went further into default. The XXXX letter from them is attached. Eventually they started communicating with XXXX, and finally said they would complete a loan modification if we agreed to pay a defined # of payments and that they'd roll the remaining balance on to the back of the loan ( essentially a loan mod. ). We agreed to that but they continued to refuse payment or send any substantiating documentation to that effect. Continued emails ( many of which are attached ) throughout XXXX and XXXX by us have gone either entirely unanswered or they respond saying they'll get back to us. 
Selene 's automated phone system will not put us through to a loan officer. The system recognized our number and says " due to the status of your loan payments can not be accepted at this time ''. They continue to mount interest, penalties and we are unable to proceed without some form of assistance. Selene appears to be illegally forcing a foreclosure by refusing to correspond & /or receive payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-04-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
While incarcerated from XXXX unemployment claims, while open under my name, and claims were payed under my name. I filed for identity theft with local enforcement, and put fraud alert of my credit report. I file a claim for unauthorized charges. Provided all documentation to Bank of America. The outcome was partially claims approved but XXXX claims were deny. the reason for denial was because Bank of America stated that transactions were authorized but thats impossible because I was in jail.

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 2024-04-11 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: GA

Complaint narrative:
Greetings CFPB! 

I hope all is well. I filed two complaints ( Complaint # XXXX and Complaint # XXXX ) with CFPB, against XXXX, Experian, XXXX, and XXXX to dispute inaccurate consumer report entries and demand that all entry accounts be removed from all three ( 3 ) consumer reporting agencies. 

To ensure accurate information is reported, I received current consumer reports from Experian, XXXX, and XXXX ; reports generated between XXXX and XXXX, 2024. Upon my review of each report, I noticed that the accounts for XXXX XXXX XXXXXXXX were removed from XXXX and XXXX ; yet, still exist on my Experian report. 

XXXX reported inaccurate information to all three consumer reporting agencies, and those agencies did not perform its due diligence or quality review to ensure pure accurate information was reported by XXXX. Their actions violate 15 U.S. Code 1681 ( a ) ( b ). 

Experian, XXXX, and XXXX are regulated by the laws of the Fair Credit Reporting Act ( FCRA ) and currently, XXXX  ( XXXX ) XXXX accounts were not removed by XXXX and Experian, a direct violation of FCRA ; willful non-compliance, per 15 U.S. Code 1681n ( a ) and 15 U.S. Code 1681o. 

Consumers lives are controlled by some aspect of what our background stories reveal and our credit worthiness, a term that is not defined by any code, statute, regulation, policy, or rule. However, businesses and every consumer reporting agency that exist are intentionally not abiding by codes, statutes, regulations, policies, or rules that protect consumers, like myself. Their intent to negatively impact consumers and not comply with laws that have been put in place, MUST be held accountable for their actions. 

I ask CFPB to review the two prior complaints ( mentioned above ) and re-investigate XXXX and Experians non-compliance to remove all XXXX entries from the Experian report because of the inaccurate information. I also seek the maximum fine for damages incurred ; actual and punitive. See attached, copies of the XXXX ( XXXX ) accounts that still exist on my Experian report. Invoices will be provided to XXXX, Experian, and XXXX XXXX XXXX, XXXX. ( Experian 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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$470.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$470.00} XXXX XXXXXXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$31000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
XXXX XXXX offered to my daughter the computer and claimed that I get it in XXXX payments. Since she is the one paying for it and going to college, I helped her letting she use my card. Now I got hit by XXXX points on my XXXX XXXX. XXXX and the XXXX  Card should never let it goes through without increasing my limit. Thats what I tough it would happen since I have many other credit cards with a higher limit. Sad. Not fair because I work really hard to have a good credit and this will affect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and XXXX to reinvestigate these accounts ; Account name Zwicker & Associates P.C, However i haven't been provided with proof of debt with my original signature in clear and concise writing from me as a consumer, after i have requested several months prior to the date of this complaint. Furthermore the date of the account open and date of last activity and much more has not been rectified. According to 15 USC 1681 i ( 5 ), They are supposed to modify accounts that aren't reporting correctly. 15 USC 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. I demand this matter to be corrected in a timely and in a prompt manner. ( Fraud )

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 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Law Offices PC
State: CA

Complaint narrative:
On XX/XX/XXXX they contacted my mom trying to reach me when they had called me but I was unable to answer due to me being at work. Contacting family members when they have my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
I have received a notice of being overdue. All my payments have been made on time. They also still owe me a refund for the loans XXXX for XXXX. I tried emailing and was told my issue needed to be handled by a call. My XXXX attempt, I was on hold for XXXX minutes and I had to go back to work. The next day I tried several times and got a busy signal each time. I have even provided copies of where my bank had the funds deducted and it still has not been addressed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: PA

Complaint narrative:
Upon scrutinizing my consumer report, I've come to the realization that my consumer rights have been breached. Referring to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ), it's explicitly stated that " the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. '' Late payments constitute transactions, and utilization reflects the experience derived from credit usage. However, XXXX, XXXX, Equifax is indicating late payments on multiple accounts listed below XXXX ACCOUNT # XXXX JXXXX XXXX XXXX XXXX SELF ACCOUNT # XXXX XXXX XXXX BANK ACCOUNT # XXXX and/or utilization, which are experiences created by credit usage. According to 15 USC 1681b ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. '' I never provided TransUnion, Experian, Equifax with written instructions to include anything in my consumer report, let alone these late payments/utilization. Furthermore, as per 15 USC 1681 602 Congressional findings and statement of purpose, it's stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' It also emphasizes that the banking system relies on fair and accurate credit reporting. Inaccurate credit reports directly impede the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the banking system. The reporting of these late payments is inaccurate, and my privacy has been violated due to XXXX 's, XXXX 's, Equifax 's infringement upon my consumer rights by allowing these late payments/utilization to be reported on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FCRA 605B says we must fix wrong stuff on my credit report. Can you check? Some accounts listed are wrong in how they're reported, the money they say, and the dates.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FCRA 605B says we must fix wrong stuff on my credit report. Can you check? Some accounts listed are wrong in how they're reported, the money they say, and the dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My brother in-law asked if i could deposit his 2 checks from his XXXX so that we would be able to make the rent payment. I deposited the checks with my phone and it accepted the deposit. I waited the time period for the funds were on hold until the check cleared. Once the funds became available as soon as i went to make payment for rent and bounced my rent payment. I called chase to resolve my issue and found my account closed. The department i spoke with claimed they needed to speak to my brother in-law, which is fine, but when i gave them his XXXX XXXX phone number they told me that they can not verify with that number and that they can only call the number in thier system and they can not tell me what that number is. I asked about going into a branch with my brother in-law with our drivers licenses and resolvong it in person. They told me that is not done anymore and if i cant tell them the number that they have in the system for my brother in-law then there is nothing i can do. The checks have already been cashed so a reissue of check is impossible. I was evicted from my apartment and since have been struggling because of my account closing and want my money since i had no choice but to repay my brother in-law the money he lost during this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Crawford & von Keller, LLC
State: GA

Complaint narrative:
" A Quote From Original Doc '' I recently received communication from Cravwford & von Keller LLC on the behalf of an alleged debt from XXXX XXXX XXXX XXXX attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. Further more pursuant 15 U.S.C 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. You have no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately. Further More You are attempting to collect an alleged debt where the so called original creditor has falsely represented the character and other Violations under 15 U.S.C 1692 e that you are implementing yourself in..

Company response to consumer: Closed with explanation