vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: VT

Complaint narrative:
Dates are included in the attached document. Actions or " actions '' are described therein, too. The amounts were disclosed in the previous complaint ( # XXXX ). In nutshell, I own house, that is my only home, i.e. I will be homeless  if I lose it, that lost a lot of value after 2008, so it is not nearly worth as much as the mortgage on it. The mortgage is not in my name and was not my responsibility, but my ex-wife 's, who abandoned the property and defaulted on mortgage. The previous servicer ( XXXX XXXX  ) was negotiating with me the loan modification in my name, until they sold the mortgage to Selene Finance, that promptly put me in foreclosure. They refuse to negotiate with me, and are trying to eschew the mandatory legal process. They are not notifying me, my attorney, or the mediator about their actions, and instead send their decisions to my ex-wife who does not live here, hoping that I will not receive them and respond to them. This illegal behavior MUST STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: NV

Complaint narrative:
XXXX  HAS REAPPLIED ONE ACCOUNT THAT WAS DISPUTED/DELETED WITH XXXX XXXX  XXXX THAT NOW SHOWS AS BELOW ON MY CREDIT FILE : XXXX XXXX {$0.00} Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$0.00} {$750.00}

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 explanation
Consumer complaint received 2020-06-28 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: NV

Complaint narrative:
XXXX  HAS REAPPLIED ONE ACCOUNT THAT WAS DISPUTED/DELETED WITH XXXX XXXX XXXX THAT NOW SHOWS AS BELOW ON MY CREDIT FILE : XXXX XXXX {$0.00} Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$0.00} {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX Opened XX/XX/XXXX + {$450.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  XXXX   XXXX  Opened XX/XX/XXXX + {$220.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1000.00} Original creditor : XXXX  XXXX XXXX  XXXX XXXX  all ftc violations filed

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 2020-06-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX Opened XX/XX/XXXX + {$450.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  XXXX   XXXX  Opened XX/XX/XXXX + {$220.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1000.00} Original creditor : XXXX  XXXX XXXX  XXXX XXXX  all ftc violations filed

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 2020-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
I want you to take a look at the Correspondence of your so called attorney office when they cease and desist and return the debt back to you! They were trying to collect for you I need for you to tell me what rights did you have to collect on this erroneous account and place this item on all reporting agencies After your law firm understood orders and stopped all collections and return it to you? did they advised you of the noticed to cease and desist? Yes they Did this is exactly why Im coming after you for violations. Please send me a copy of what crawly law firm sent to you and upload it to the CFPB website

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: CA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Had this synchrony card for a year and misplaced the card. I contacted customer service and was told to hold on. While waiting, I located the missing card. The customer service representative came back on the phone and told me the card was cancelled. He requested another card. I was told that I could go to Lowes and make a purchase because they are there highest vendor. I was also told that Lowes could look up my new account information. I went to Lowes two weeks ago and was told that they did not know who Synchrony home was. I wasted my time, effort and gas to be told that they do not accept Synchrony home. To date, I just received the card yesterday, Saturday XX/XX/2020. The card number to the first card is XXXX. I called today XX/XX/2020 and was told that the second card XXXX I received was also cancelled and that I called to cancel from Lowes on XX/XX/XXXX. This is not true because I was with a Manager in Lowes who was with me the entire time and I can get proof from them that I did not cancel any account at that time. Additionally, my cell phone was not working from XXXX XXXX and it just started working today which is why I called. I was also told that I called and cancelled the account yesterday XX/XX/XXXX. I believe that fraud is being committed on my account because at every turn, I am being prevented from using my card. I spoke with a representative named XXXX  who was abrupt and rude. She transferred me to XXXX who is XXXX XXXX  and accent prevents you from understanding them and he transferred me to a dial tone. Called back and got XXXX who was equally rude who transferred me to a dial tone as well. Called back again and got a XXXX who wanted to argue with me about everything when all I asked is to speak to a Supervisor. I was just transferred back to XXXX and I just hung up.

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 2020-06-28 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: CA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-28 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: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
Bridgecrest is reporting a loan on my XXXX credit file that I did not oblige to. The loan is fraud. I've sent my supporting documents on XX/XX/2020 as well as I was in contact with someone by the name of XXXX XXXX on the compliance team and have not gotten a response. The loan amount appears to be {$11000.00}. The address Bridgecrest sent over to me is not an address I have lived at nor is the signature on the documents my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: MO

Complaint narrative:
XXXX is reporting a loan on my Experian credit file that I did not oblige to. The loan is fraud. I've sent my supporting documents on XX/XX/2020 as well as I was in contact with someone by the name of XXXX XXXX on the compliance team and have not gotten a response. The loan amount appears to be {$11000.00}. The address XXXX sent over to me is not an address I have lived at nor is the signature on the documents my signature.

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 2020-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX check deposited {$600.00} and paid a {$5.00} fee for immediate deposit. I noticed that the deposit sequence was not customer friendly and I was charged NSF of {$72.00}. I called the bank, they know Im elderly and on a fixed income, and the couldnt show me the courtesy of trying to resolve this issue. 

Please help me. 
XXXX XXXX XXXX, AL

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 2020-06-28 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was over charged for moving services by {$250.00}. I submitted all documentation, including the math and proof that they could not have preformed the amount of work they claimed to because they could only have worked ~4 hours because the storage place CLOSED. I submitted proof of arrival time via SMS and the closing hours of the storage place, as well as the closing hours to prove they could not have possibly earned the amount they charged, I've never even gotten an itemized receipt and the vendor is non-responsive. 

Instead of responding to my second dispute, the vendor UNAUTHORIZED charge my card for the {$250.00} again, I called Chase and they had me main in my request and documentation. I paid {$27.00} for USPS 2-day priority and have confirmation that arrived at their PO box . 

I have not heard from them in 2 weeks, despite numerous attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
Ally auto financial granted me a extension on my car loan due to the Covid 19 pandemic. I received a letter stating my loan will be extended for 120 days. 
Ally did NOT stand by their word. The extension has NOT been applied to my account. I have contacted allys customer service more than 7 times. Each time I was given a different excuse. I was hung up on 4 times, I asked to speak to a manager, I was hung up on. I was shamed for needing the extension, asked if I couldnt afford my car and told my extension should have never been granted and asked who was driving my car. I told the employees each time I had not worked in 3 months due to the pandemic. 
I have tried everything I know to do to get my extension. Ally has given me their word ( I have a letter ) I could have 120 days without a payment. They are cruel for giving me false hope. If thats not bad enough my credit is being ruined because I cant afford to make my payment due to not working because of the pandemic. 
I am disgusted a company could XXXX their customers over during a pandemic. 
They should be ashamed. Their behavior is inexcusable and just straight up cruel.

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 2020-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Removed access to information from account. 
Removed access online. 
Not mailing requested information. 
No statements being sent to property address despite numerous requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: TX

Complaint narrative:
XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$7700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$7700.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX XXXX   Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$24000.00} Term -- Monthly Payment -- Responsibility Joint Account Balance {$26000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$26000.00} Times 30/60/90 Days Late XXXX Remarks XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account all filed to the ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I use the XXXX $ loan app and it wound allow them into my account due to changing of the debit card I lost

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: TX

Complaint narrative:
XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$7700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$7700.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX XXXX   Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$24000.00} Term -- Monthly Payment -- Responsibility Joint Account Balance {$26000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$26000.00} Times 30/60/90 Days Late XXXX Remarks XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account all filed to the ftc

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 2020-06-28 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: TX

Complaint narrative:
XXXX XXXX XXXX  Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$7700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$7700.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX XXXX   Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$24000.00} Term -- Monthly Payment -- Responsibility Joint Account Balance {$26000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$26000.00} Times 30/60/90 Days Late XXXX Remarks XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account all filed to the ftc

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 2020-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
Dear SOURCE RECEIVABLES MANAGEMENT, I am a victim of identity theft, and I did not make open the account in reference. I request that SOURCE RECEIVABLES MANAGEMENT remove the account and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation