vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
Selene Finance is stating that payments have not been made for XXXX, XXXX and XX/XX/2023 : Payments made : XXXX {$330.00} XXXX - {$1000.00} XXXX - {$11000.00} Also, when Selene acquired the loan from XXXX taxes were paid, Selene is adding four years of taxes to the loan. 

Selene Finance is not updating their records to reflect any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On Friday, XX/XX/28 I reviewed by Bloomingdale 's account and noticed that my credit limit was decreased from XXXX to XXXX dollars based on the fact that I missed a XXXX interest fee after paying the account in full a few days previously. When I missed that payment they pulled my credit report and based on history that was the factor in decreasing my credit limit. I initially called and spoke to agent # XXXX I was informed that when I paid the past due amount with her she would transfer me to another department so they could reinstate my credit limit. I asked to be transferred prior to making the payment to ensure that this information was correct. I then was transferred to agent XXXX who then informed me that once I paid I could request a credit line increase. Why would I request a credit line increase, I was told it could be reinstated, by request only i was informed. Why would I, because you would be looking at the same credit report that you decreased my balance on. I finally requested the increase and of course was denied. After speaking with that agent I asked to be transferred to her supervisor only to be kept on hold for over XXXX XXXX when the call " suddenly '' dropped. I tried calling back from my cell phone and the call would drop before it even rang. I then used my landline to verify that the call would go through which it did. The fact that I was punished with over XXXX XXXX of my available credit being removed seems extreme at best. Yes, my credit history is not the best, but it is a history and my history with bloomingdales has been impeccable which is even what the agent expressed to me. I just want fairness and I want to be treated like a human being who doesn't constantly want to be punished for past mistakes.

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 2023-07-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
My wallet was stolen, i had all my credit cards in it ID, etc, I reported immediately on XX/XX/XXXX the company hires people that don't speak English and they couldn't understand what i was explain to them and they were keep sending out new credit cards to the scammers, and now it's on my credit report. I have reported on XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and still, they don't hold scammers responsible, they are reporting me to the credit bureaus, for all 3 credit cards. If YOU LOOK AT MY HISTORY WITH ALL, MY CARDS, I ALWAYS PAY THEM IN FULL BY THE END OF THE MONTH I don't have the cards nor ever got a new one. What is there to do. 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 explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
First in XXXX he branch in XXXX at XXXX, VA refused to verify me inperson when I was trying to replace m debt card. I was there inperson wih all my id and children and the manager would no believe i was me. Then in XXXX on he phone Wells Fargo made me stay on the phone for hours while I asked them tto send me a copy of a old check. Then onXX/XX/ Wells Fargo locked me outt of myy online account while I was banking. Then Wells Fargo refused to verify over he phone for XXXX XXXX has had he same telephone number of mine on file for almost XXXX yrs. Then they sent me email saying that someone changed my mail settings and refused to tell me who changed them. I was even old at XXXXXXXX XXXX to go verify myself at a ATM machine! The next day I went to the XXXX XXXX location and I spoke to XXXX. She told me that their securitty dept changed my mail settings and never explained why. Then she ttold me that she put my children down as beneficaries ... When she did not. Two weeks later I went to the XXXX Va to ask for a copy of my beneficaries. I was hen told by XXXX that my children were no XXXX down as my beneficaries. When again for my children to be my XXXX XXXX refuse to add them as my POD. Then he refused to correct a error in my children 's savings accouns! They were rude and did nothing o correct the problem. He demanded to see my children 's birthcerticaes! My children have had savings with this bank for XXXX yrs!

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 2023-07-28 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: NJ

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I HAVE CALLED OVER AND OVER ALONG WITH SPOKE TO REPS IN REFERENCE TO MAKING MY PAYMENTS. 

MY LINE OF CREDIT PAYMENTS WAS PAID MORE THAN THE DUE AMOUNT TO PAY AHEAD AND THEY WAS NEVER APPLIED TO PREVIOUS MONTHS AS REQUESTED. ( EXAMPLE MY MINIMUM PAYMENT IS {$25.00} SO I PAID {$100.00} TO PAY FOR THE NEXT XXXX MONTHS AND THE ENTIRE {$100.00} WAS APPLIED. ) MY CREDIT CARD I ADVISED THEY LOCKED ME OUT OF ONLINE SO I HAVE NO ACCESS TO LOG ON TO PAY WHICH HAS BEEN ADDRESSED OVER AND OVER. WHEN I ATTEMPT TO CALL TO MAKE PAYMENTS IT DOES NOT ALLOW ME TO MAKE PAYMENTS. THE LAST REP OPENNED A TICKET TO HAVE THE LATE PAYMENTS REMOVED AS TRUIST ERROR. WHEN I VISITED THE BRANCH AS ADVISED I GOT NO HELP AND WAS SENT WITH STILL NO RESOLUTION. I HAVE RECEIVED CALLS DURING WORK HOURS WHICH I EXPLAINED I CANT GET PERSONAL CALLS LEADING TO ME BEING TERMINATED EFFECTIVE XX/XX/XXXX. TRUIST XXXX XXXX REPS KEEPS ADVISING SUPPORT CAN HELP AND THEY HAVE NOT BEEN ABLE TO HELP. THE REP DID COMPLETE A FORM TO HAVE MY LATE FEES REMOVED AND REPORTING ON MY CREDIT BUREAU

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 2023-07-28 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: FL

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.

The letters are stated with items and issues.

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 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.

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 2023-07-28 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: FL

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.

The letters are stated with items and issues.

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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: FL

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX and XXXX XXXX Date XX/XX/2022

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-28 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: LEXISNEXIS
State: FL

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.

The letters are stated with items and issues.

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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: MD

Complaint narrative:
RS Clark and Associates , Inc. is trying to collect a debt which has been paid and the reconciliated account by the original creditor shows a balance of {$0.00}. I believe this collection to be inaccurate and illegal for two reasons : 1. I was never informed of the subject debt transfer from the original creditor to RS Clark and Associates. 2. It is in violation of The Servicemembers Civil Relief Act. 

Background : I was a tenant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during my time as a tenant, I was never late for rent or missed a payment. I vacated the property on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX after signing an account reconciliation indicating that I was to be owed a {$410.00} refund. I proceeded to move to Maryland in order to attend XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX for a period of 6 months which I currently XXXX XXXX. In my surprised, I received an email From XXXX XXXX Stating I owed them a balance of {$1900.00} stating that I never paid my XX/XX/XXXX rent. I proceeded to send them ( via email traffic ) my bank statement showing that the money was in fact paid for the month of XX/XX/XXXX as for every month before that. After that reach out to me via phone call and we once again went of the account reconciliation ( which they provided me with a copy, and the account balance was {$0.00} after payment from insurance and closed. 

I'm not sure of what's happening but I have provided all the receipt showing that I paid the account, and it was in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant XXXX XXXX XXXXy. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

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 2023-07-28 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: CA

Complaint narrative:
Multiple accounts in my name, one for {$210.00} for XXXX  XXXX. I called and stated that I did not open account and was having identity theft in my name due to ex husband. They took the fraud report and closed account. Theres an account for XXXX XXXX XXXX and one for XXXX XXXX XXXX  that were open in my name : did do police report back in XXXX to report fraud and identity theft

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 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
This is an addendum to my previous complaint. I would like to add to it, I got a hold of the supervisor in the security department and was told that they moved forward to close my account even though the initial reason of the deposited check being flagged was cleared, they are gon na close it anyway and I have to wait 30-60 days for this to happen and to get the over XXXX out of my accounts! This is ludicrous and will affect my credit and has caused me great anxiety and stress for a week straight! They need to be held accountable for their actions Citibank account number 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 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
We were pre-approved by Rocket mortgage for a mortgage to purchase a condo. 
Rocket received the MLS and all the information, including standard contracts by realtor about 45 days prior to closing : XX/XX/XXXX Property address is known to Rocket and the MLS listing information clearly states it is deed restricted through XXXX InDEED XX/XX/XXXX Appraisal states clearly there is a deed restriction and that this unit is part of the XXXX InDEED program XX/XX/XXXX Title commitment was sent to Rocket - this also states there is a deed restriction. 

We were then notified Tuesday last week, XX/XX/XXXX, that XXXX would not allow a mortgage on a deed restricted property. This notification was by phone from XXXX XXXX with XXXX. 

Furthermore, we noticed that the XXXX points loan was changed over the course of the last weeks to a points loan with a much higher cost, without any form of notification. 

One week before closing, we were notified, without forewarning that the loan was declined by XXXX underwriting. We were therefore going to loose {$75000.00} if we could not provide funding to proceed with the purchase of the property. One week notice. 

The financing options were more limited and we were at the mercy of a last minute very high interest loan, which we were able to arrange. 

Furthermore, we noticed that the XXXX points loan was changed over the course of the last weeks to a points loan with a much higher cost, without any form of notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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