vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 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: NY

Complaint narrative:
To Whom It May Concern, I recently checked my credit report XX/XX/XXXX and there were a few errors on my credit account that I was told would be removed from my credit report but yet Is still reporting. I am just trying to get everything accurate. Due to everything going on In this world with the XXXX, I have had more time to look at my report and notice these errors. 

Late Removal XXXX XX/XX/XXXX ( I was told by there customer service. I would be given a goodwill adjustment and that this was going to be removed from my report report ) Hard Inquiry XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX When I found out about these XXXX accounts I closed them right away as I never opened them and they were not authorized by me. If anyone can show any validation of me going to there stores signing anything. Never happened. They had agreed to remove these hard pulls from my account since I never authorized the card. The way the Customer Service rep explained was these cards will be removed from credit report all together since I owed no money and gone from Inquires since I never applied for them ) Factual Data XX/XX/XXXX not authorized by me ( I believe this to be fraud ) XXXX Bank XX/XX/XXXX not authorized by me ( I believe this to be 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 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I filed a loan modification application with my loan service provider, Selene Finance. All of the documents that were requested were reviewed by my Hud Housing XXXX, XXXX XXXX, XXXX and emailed to Selene Finance on XX/XX/XXXX at the email provided on their website provided, XXXX. 

On XX/XX/XXXX, I received a notice from Selene Finance stating that they did not received any of my documents. On XX/XX/XXXX, I immediately contacted XXXX and an email was sent out to the assigned Loss Mitigation XXXX at Selene Finance that is working on my Loan Modification file, XXXX XXXX XXXX XXXX XXXX XXXX Ext. XXXX, XXXX and XXXX. Since no response was received I reached out to Selene Finance by phone and added a formal complaint for non-responsiveness. That same day, I received a call from XXXX XXXX and she confirmed over the phone that all of my documents were received and that they did not need anything additionally from me in order to proceed. 

on XXXX, I received a letter from Selene finance dated XX/XX/XXXX where they are asking for the same items that they already confirmed on XX/XX/XXXX that they had. They additionally are requesting for an additional document XXXX rental lease of my second flr unit XXXX which I've advised on my hardship letter reasons of why that unit is vacant. 

It is now XXXX and Selene Finance has not reached out to XXXX my HUD XXXX and is not responding to any of my communication. I'm only in $ XXXX in arrears which is a very minimal amount in comparison to others. My HUD XXXX XXXX recommended I reach out to you in order to get a resolution on this matter. If you can kindly assist in reaching out to Selene Finance as the deadline to complete the XXXX Modification with them is XX/XX/XXXX and their negligence is keeping me from meeting that date. Anything that you can do to assist will be greatly appreciated. If you can review with them the following that would be fantastic : XXXX XXXX Why is it that my assigned Loss XXXX XXXX, XXXX XXXX, is not responding to emails or calls? 

XXXX XXXX Why did they confirm on XX/XX/XXXX that they received all of my documents and then proceeded in sending out a letter stating that the documents they confirmed they had are now missing? 

XXXX ) Can they kindly reassign me a new Loss Mitigation XXXX preferably someone by the name of XXXX XXXX who is incredibly knowledgeable of the Loan Modification process and who worked on the first loan Modification I had to undergo with Selene Finance? 

XXXX regards, XXXX XXXX XXXX XXXX XXXX | XXXX | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
My original mortgage was sold by The XXXX XXXX to Loancare on XX/XX/XXXX. I did not get notification of the transfer until XX/XX/XXXX. In the meantime I made payments for XX/XX/XXXX and XX/XX/XXXX to The XXXX XXXX. The payment for XXXX was successfully credited to the Loancare account, but the XXXX payment was not. Loancare are now saying I am in arrears for the missing XXXX payment and have also impacted my credit score by telling the credit agencies that my account is in arrears. 
When I contacted Loancare they said the needed proof of my payment to The XXXX XXXX, so I sent them the electronic transfer details as I paid through my bank. That was sent in XXXX of XXXX and I heard nothing from Loancare until XXXX of XXXX when they contacted me to say I was in arrears. 
After speaking the them they told me that their Escalation Payment Dispute department said that they needed further proof, although no one contacted me at the time. I contacted The XXXX XXXX  who have confirmed a check was sent by them to Loancare for the XXXX payment, but Loancare say they did not receive it and are requiring me to get a new check from The XXXX  XXXX. 
The amount of the original payment is {$1200.00}, Loancare have been adding missed payment penalties totaling {$590.00} and are saying I'm past due an amount of {$1700.00}. 
Both of the payments I made were within the 60 day period from the original transfer of my mortgage from The XXXX XXXX to Loancare.

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 2020-04-08 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: NM

Complaint narrative:
Experian is ignoring my requests to investigate, verify and remove an account from my credit report that was opened fraudulently.

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 2020-04-08 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: TN

Complaint narrative:
I mailed via certified mail of several documents on XX/XX/XXXX to XXXX  disputes. Included with documents were a copy of my driver 's license. This dispute is regarding the 2 fraudulent bankruptcies reporting on my credit report that I have never filed. XXXX & XXXX, filed with the XXXX  Tennessee  Bankruptcy  Court filing dates are XXXX & XX/XX/XXXX. I have a current XX/XX/XXXX XXXX report that does not show or list these bankruptcies in my file, yet I'm being told on XX/XX/XXXX, my most recent credit report by XXXX  stating, bankruptcies have been verified as accurate by XXXX. I've also received a recent letter from XXXX, stating, my documents were received, however there were no indentifying document regarding my identity, so they have disposed of the documents that I submitted. The date of this letter from XXXX  was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
First attempt to collect a debt was in XX/XX/XXXX for a debt from XX/XX/XXXX. No collection attempt was made from the original company - first contact was thru the collection agency. They did not provide me with ANY proof of a bill for collections from the company. I requested certified mail and gave my address twice, no mail was sent to verify the charges. I contacted the original company directly and they could not verify the charges with a form or any proof of nonpayment from XXXX. I have not received any valid or certified form or statement of my debt - have only received calls asking for payment.

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 2020-04-08 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: TN

Complaint narrative:
I mailed via certified mail of several documents on XX/XX/XXXX to Experian disputes. Included with documents were a copy of my driver 's license. This dispute is regarding the 2 fraudulent bankruptcies reporting on my credit report that I have never filed. XXXX & XXXX, filed with the XXXX  Tennessee  Bankruptcy  Court filing dates are XXXX & XX/XX/XXXX. I have a current XX/XX/XXXX XXXX report that does not show or list these bankruptcies in my file, yet I'm being told on XX/XX/XXXX, my most recent credit report by Experian stating, bankruptcies have been verified as accurate by XXXX. I have not received any correspondence from Experian regarding documents sent on 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 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I have been attempting to ask The Winn Law Group for help due to my health complications and financial hardships I have been experiencing. In my last communication to them I explained in detail my financial and labor problems that are causing me to be unable to pay my accounts. 

My representative contacted The Winn Law Group for help and offered on my behalf {$800.00} dollars to settle in full, but they simply demanded I hand over {$1100.00} to settle this account. Unfortunately, I dont have {$1100.00} since my monthly income is around {$900.00} per month, just last month was {$860.00} ( please find the attachment ) and I must pay my basic living expenses ( please find attachment ). It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope my offer be deliver to the owner of the debt XXXX XXXX XXXX and that the regulators see what The Winn Law Group is doing to consumers, even low-income student. 

Because my work is not an essential industry, I was impacted to Covid-19, and at this point I dont have any source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I have a purchase on my well Fargo credit card on XX/XX/2019, amount is {$47.00} this is fraud. I didn't make this purchase and don't know what is this. please tell them to fix it.

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 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
I have been attempting to ask Hunt and Henriques for help due to my health complications and financial hardships I have been experiencing. In my last communication to them I explained in detail my financial and labor problems that are causing me to be unable to pay my accounts. 

My representative contacted Hunt and Henriques asking for help and a settlement, but they demanded I hand over {$1600.00} to settle this account. Unfortunately, I dont have {$1600.00} since my monthly income is around {$900.00} per month, just last month was {$860.00} ( please find the attachment ) and I must pay my basic living expenses ( please find attachment ). It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope my offer be deliver to the owner of the debt XXXX XXXX and the regulators see what Hunt and Henriques is doing to consumers, even low-income student. 

Because my work is not an essential industry, I was impacted to Covid-19, and at this point I dont have any source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: MA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DO NOT KNOW HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE BUT I AM CERTAIN THAT THEY DO NOT BELONG TO ME SO I AM ASKING THAT AN INVESTIGATION AND REMOVAL OF THE ACCOUNTS AND INQUIRIES TAKE PLACE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

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 2020-04-08 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: MA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DO NOT KNOW HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE BUT I AM CERTAIN THAT THEY DO NOT BELONG TO ME SO I AM ASKING THAT AN INVESTIGATION AND REMOVAL OF THE ACCOUNTS AND INQUIRIES TAKE PLACE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

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 2020-04-08 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: Southwest Business Corporation
State: TX

Complaint narrative:
XXXX - XX/XX/2020 we had our mortgage loan refinanced with XXXX XXXX XXXX XXXX ( XXXX  ) and closing SWBC Mortgage. During the process SWBC is showing us 30 days delinquent in XXXX 2020 where are loan was closed by XXXX. We tried sending SWBC the information showing them this was taken care of. SWBC refuses to help us with this situation and after talking with people at SWBC they even admitted this was in error therefore, whoever is doing the background check for this delinquent time frame isn't doing their due dilingence. We need help in getting this resolved as our loan has been paid in full from XXXX  to SWBC and the removal of delinquency should be reversed especially during this time with the coronavirus as we're unable to go into SWBC to try and get this resolved in person. Please help my husband and I XXXX and XXXX XXXX have this rectified as it has made a huge bad impact on our credit report. thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Hello, I am reporting about XXXX XXXX  refusal to take action regarding an unauthorized electronic withdrawal on my account. 

The saga began last XXXX when my XXXX checkbook was stolen. Among other problems, an unauthorized electronic withdrawal of {$140.00} occurred using the numbers from the checks. The following month I submitted the necessary forms to XXXX both electronically and via registered mail. I also reported the crime to my local authorities which XXXX advised me to do. 

Since then I have done everything in my power to have this matter resolved resolved and to work with XXXX XXXX. 

Despite my continued attempts at polite communication with XXXX, as well as resubmitting the form several more times, my account still has not been credited. Nor will XXXX communicate with me as to why.

In addition, a local Deputy was actually able to identify a suspect. However XXXX XXXX  refused to comply with a subpoena. The sheriff was trying
to attain the IP address that the thief had used, which was necessary to complete an investigation. Only XXXX has this information ... but they refused to give it to me either. 

You can see the dead end I found myself in! That is why I am thankful that you have the power to step in and resolve this matter. 

Please do not simply refer me to customer service at XXXX. I have been around that circle many times. To give you an idea, Ill describe my most recent interaction with XXXX  ... 

After sending the attached email to XXXX XXXX, addressed to CEO Mr. XXXX, I received a call from a manager. I actually was impressed that XXXX responded! However the woman calling me was only vaguely familiar the email. I suggested she take some time to read it over ( if youve read the email you know where this is going : - ) ). I never heard back. 

Besides what Ive attached there is much more I could send If it would be helpful there are all the other emails Ive sent to XXXX as well as phone records, in case youre interested in seeing how persistent Ive been! I could also give you the info I submitted to the sheriffs department, or forms regarding the check fraud, and so on! 

Thank you so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
Beginning with my XXXX payment ( they bought loan in XXXX ), they stated I did not make the payment and I provided them with the proof of payment. They advised that the loan number was wrong, however, I copied it from the letter they sent. They also stated they would remove the late fee of {$49.00} which does not show to be removed as of this writing. I reported them to the XXXX  and they advised the XXXX  they removed the payment on XX/XX/2020. I spoke with a representative again shortly after I changed homeowners policies because my escrow went into the negative. The representative advised that since the tax disbursement ( which they paid 3 months late ) and the homeowners were recently paid, he stated that I would be able to catch the escrow " back up '' with no changes to my payment or account. On XX/XX/2020 they made 2 disbursement payments for {$140.00} and the history showed - {$140.00} insurance disbursement and then - {$140.00} escrow. If this was applied to escrow, why the negative notation? Also, 2 payments for the same amount on the same day, they couldn't explain. These disbursements were prior to changing my homeowners policy. Then on XX/XX/2020 the same : - {$140.00} insurance disbursement ; - {$140.00} escrow. The representative could not explain what these were or where the money was applied. Additionally, my payment went up {$110.00}, even after the last representative assured me it would not. Their website does not show where funds are applied or deducted just simple notations with no explanations. I have had to call regarding problems every month for the last 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
Due to the following violations : UDAAP : Deceptive and abusive practices when servicing the loan, calling in to obtain loan information and location of the loan. 

Regulation Z - Prompt payment crediting and payoff statements ( 2013 TILA Servicing Final Rule ) and federal law that states that a mortgage servicer is required to provide a payoff within 7 business days. We are far past the 7 business day mark to provide a payoff and errors being fixed. Because the ball was dropped with the loan modification on US Banks behalf and XXXX had no such knowledge of my 2nd mortgage to provide a payoff to us. Also, the paperwork we received is inaccurate if XXXX had no such knowledge of said mortgage. I have several emails of this going back and forth with XXXX. 

As a result of your negligence, violation of Regulation Z and inability to correct the errors from the onset of our communication with the loss mitigation department within allowable timeframes, Our remediation request is as follows : 2nd Mortgage/Partial Claim amount for XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, NV XXXX be released and no longer liable for said debt as there was no payoff that could provided within the 7 business day timeframe or within an understandable timeframe. Additionally, the mortgage was paid and satisfied according to US Banks representatives as of XX/XX/XXXX. 

Upon relinquishing my name from this debt, a letter to be provided confirming loan paid in full and satisfied sent to me via email. 

Kind regards, XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Additionally, We filed a complaint with XXXX XXXX Supervisor in the Loss Mitigation department on XX/XX/XXXX and it has been 6 business days since and we have not heard anything from any escalated department regarding our complaint and the regulatory violations we submitted.

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