vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland credit Management This is the third complaint that I have put against them and they have updated each time you guys the CFPB contacts them They update my credit report with a different lie This is illegal They continue to play with the CFPB Y'all need to fine!!!! this company and shut them down completely This is highly illegal They put on my credit report and I have the documents below that my debt that was not even my debt I was an authorized user on the card in question more than 15 years ago The original opening day was XXXX of XXXX XXXX I was added as an authorized user in XXXX of XXXX This debt was never mine to begin with that's why XXXX XXXX closed it and left it alone because I sent them a cease and desist so they never sold my debt to this company I've been saying the same thing with each complaint and XXXX  XXXX looked into it further and it took them weeks That's how I have the new updated dates and they're saying they never sold anything to Midland credit and that this company is a fraud and a sham and they don't know how they get customers information??? The company sent to all three credit bureaus that my card was seriously past due which is a lie!!!! That it was sent to a lawyer and I was prosecuted which is another lie!!!! It's 86 negative remarks from this company on my credit that need to be removed now The whole company needs to be deleted from my credit altogether They put on my credit that the account was in collections That's a lie!!!!! And they did this 3 days ago for a debt that's from XXXX originally-And then updated in XXXX!!!! This company also has the same account in the clothes section of my credit report with 86 negative remarks This company needs to be shut down This is a violation of my fair crediting act This is a violation of the law completely This company is a lie They are not lawyers They are not bound by any type of government law these people are moving lawless and again my credit score dropped over 100 points how is this allowed for these people to continue to do this and they've done it three times this month of XX/XX/XXXX for a debt that they don't even own they can't own it because I sent out a cease and desist more than 15 years ago I want them removed now from my credit report completely and every last negative mark and I want it to be removed from collections and close accounts It needs to be deleted off completely The debt is more than XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
METHOD OF VERIFICATION IMMEDIATELY! 
Response to CFPB Complaint:XXXX I Have Attached FTC Identity Theft Report # XXXX I am requesting to know what does Transunion considered to be a reasonable procedure when investigating your disputes?

What steps are taken when a dispute comes through to your company?

Is your team looking for the verification and tangible evidence?

Explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.

What certified documents were reviewed to conclude your investigation? 

Provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 

Did you speak directly to any agent of the company that is reporting the information to confirm the accuracy of what is reporting due to 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 non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Hello, I have called Ally bank 16 times in 1 week because they blocked my online account access to use my money. Since this is an online bank so I can not go to the branch. Everytime I called it is 3 hrs long call and they transfer me to fraud dept ssying we can not talk to you. The fraud dept says and specialist will call in 1-2 days and nobody calls. I request to talk to supervisor but then agent hangup the phone. I am really worried of losing my money in the account. I just want to access my account so I can get my money and then I will close my account. Since day 1 I have had issues with this bank. First it was with setting up the zelle service and that was never resolved and then it is now that I can not access my own money. Please please please help me with this. I can not share my account number because they blocked my access and I do not have an account number in the welcome email. Here is the link for the platform where other people having the same issue. 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 2024-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I had applied for a Victorias Secret credit card. I only made one purchase with this credit card and the purchase was for {$14.00}. I made the {$14.00} payment two weeks after using the card approximately one month later in XX/XX/XXXX I called the Victorias Secret customer service number to cancel my account with them due to the fact that I dont shop at that store quite often the woman I spoke with confirmed with me that the Victorias Secret account was closed and that I would have no further payments in the future. Approximately four or so months later I received in the mail that I had an outstanding balance of {$370.00} in late fees. I called again around XX/XX/XXXX and spoke with a manager in regards to the outstanding balance. We came to an agreement of paying {$100.00} towards the balance and that the rest would be removed. I paid {$25.00} and called 2 weeks later to pay the remaining agreed balance. The {$25.00} was taken but they didnt take out the rest. I called again later that week and spoke with the manager and he said that it was sent to collections and to take it up with them. I have never had a payment before this situation and even after this issue I have never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery did not provide any of the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I was an online banking customer with M & T Bank ( checking and savings ) in early XXXX. I closed both accounts XX/XX/XXXX and withdrew my funds because of poor customer service. Evidently {$0.00} of interest was added to the savings account on or about XX/XX/XXXX. I was never notified about this remaining interest, nor was I told that M & T could not officially close my account until I withdrew the remaining {$0.00}. Instead of notifying me in writing, via email or a phone call about this, they just started adding a {$7.00} per month service charge on the account because my balance was too low. On XX/XX/XXXX, I received a statement in the mail that due to unpaid service fees, my account was turned over to collections. I tried calling their toll free customer service line on XX/XX/XXXX and was told they could not help me because the account had been closed by collections and that I needed to speak to the collections department. I called that department on XX/XX/XXXX and was told they could not help me because they can't remove fees on the " back end ''. They told to call back to customer service to see if I could get a different person who knew what they were doing. After a 30 minute wait on hold, the lady I spoke to initially said she could not help me either because the account was already closed. She suggested I go find a branch and ask them. I reminded her that I was an online banking customer and that was why I was calling her. I asked to be transferred to a supervisor and spoke with " XXXX ''. She offered to investigate and called back to say that she would have the charges reversed and to not worry about the collection. I told her that wasn't sufficient- this matter could affect my credit report and score and I wanted something in writing from M & T confirming that this account was no longer in collections. She refused, stating that because there was no form letter for this matter, she had nothing she could send. Evidently M & T personnel don't know how to compose letters from scratch. She, too, suggested I go locate a branch to see if they could help me with some written documentation. This is unacceptable for an online banking customer. I want the documentation sent to me in writing to my address of record.

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 2024-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Dear CFPB, This complain is about follow up of the complain that was filed by me on XXXX summery, my mortgage and heloc was servising by XXXX XXXX XXXXXXXX XXXX XXXX ) and after FOREBRANCE ended after covid i applied for modification and my both loans ( Mortgage and HELOC ) was approved for modification at rate of 2 pecent for life of the loans both.but after i was ready to sign and return the document, XXXX advised me that they sold or transffered the loans to SELENE.THEY SAID THAT THEY WILL TRANSFER THE DOCUMENT TO SELENE AND SELENE WILL HONOR THEM.and i shoud contact them after XXXX or XXXX OF XXXX AND I DID. 
Thy said they havnt recievd it yet .i called so mant times and finally they said i shoud apply for modification since because of so much money past due they may start for foreclosure.I applied for both loans and they honored only the HELOC at 2 PERCENT .BUT THEY DD NOT HONORED THE ORIGINAL MORTGAGE.I complained and the rep. said they must honored both .and i had to apply again, they approved but with rate of 5.5 percent.i made so many calls but they ignored and been forced to pay over {$1000.00} in interest every month since XXXX XXXX.me and my husband diagnosed by me XXXX  and my husband XXXX  and both had a hard XXXX XXXX XXXX. 
selene asked for 60 days to provide info. they provided wrong and false result.my both loand was approved for modification at 2 percent by previous motgager and i have all the info and document to proof it.Dear CFPB, PLEASE ASK SELENE TO HONOR THE APROVAL ATHAT WAS TRANSFER TO THEM.TTHEY BEEN MAKIG FASE INF TO YOU AND THEY MUST BE HELD ACCOUNTABLE AND RETURN ALL THE ADDITIONAL INTEREST THAT THEY COLLECTED XXXX XX/XX/XXXX TILL NOW. 
THANKS SO MUCH.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never filed bankruptcy the address on report is not mine i have uploaded previously ftc report now i am going to upload XXXX XXXX has removed my bankruptcy XXXX has removed

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 2024-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in ACCURATELY reporting consumer information ( 15 U.S. Code 1681e ). It is imperative that this information be reported with utmost accuracy. All my payments are current with XXXX XXXX Account # XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence that is consistent among all reporting agencies because I've upheld all my payment obligations. If consumer reporting is found to be inconsistent, I demand that these late payments be promptly updated to reflect all payments are on time. I printed out my credit report and attached it as proof of these inconsistencies.

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 2024-11-01 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: MD

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and request the immediate blocking and deletion of specific accounts from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The details of the accounts in question are as follows : Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8300.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$8300.00} Inquiries to Be Blocked and Deleted : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX And I Had some family troubles and left school before the semester ended. Everything was paid in full by XXXX to XXXX XXXX And I just ran my credit this year and seen a company nelnet Ive never received anything in the mail or any phone calls. It just hit my credit saying I owe an additional XXXX. Come to find out XXXX XXXX went out of business and sold their information to Nelnet. I called nelnet on 4 occassions and keep getting the same answer they wont provide any statements or documentation and go from XXXX to settleing for just under {$300.00} in just a quick conversation and they dont want to provide a reciepts, asking for my card over the phone. To me it seems like a scam and like they would just keep asking for money I dont owe this money as its already paid so why would I pay them anything. My biggest concern is that its hitting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone is using my social security number to open accounts with XXXXXXXX XXXX XXXX  and Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
I use XXXX to monitor my credit. I got a hard credit inquiry from Montgomery Wards on XXXX. I did not try to open an account with them. I had no idea Montgomery Wards was still around. 

I want any accounts with my information closed and I want Montgomery Wards to remove the hard Credit Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I am filing a complaint against Selene XXXX for their handling of my mortgage, which has placed me at risk of foreclosure due to their refusal to work with me to bring my mortgage current. I purchased my home in XXXX. There is over {$400000.00} in equity in my home. 

I am behind in my mortgage XXXX  months as of XX/XX/XXXX. My last payment was in XXXX. XXXX. 
I missed XXXX and XXXX, and then selene refused to let me make payments to catch up on my Mortgage unless I could pay 3 months mortgage. 

My income was impacted by my health issues in the beginning of the year, but has now significantly improved. ( I am self employed ). 



Despite informing Selene XXXX of my temporary hardship caused by health issues at the beginning of the year, they have repeatedly denied my requests to catch up on payments or offer a modification to my mortgage. I am self-employed and have significant equity in my homeapproximately $ XXXX Selene XXXX has not shown willingness to provide any viable options to avoid foreclosure. 

In my interactions with Selene XXXX XXXX They refused to allow a plan to bring my mortgage current, which I would have been able to comply with given my current financial status. 
They denied my application for a mortgage modification despite my explanation of the temporary hardship and efforts to recover financially. 
This lack of support from Selene XXXX has increased the likelihood of foreclosure and has put my home at risk. I believe Selene XXXX XXXX refusal to work with me is predatory and unfair, especially considering the substantial equity I have built in my home. 

I am seeking the CFPB 's assistance to investigate Selene XXXX practices and ensure they provide fair and reasonable assistance options to homeowners facing hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I called Faye Servicing to inquire if/when my loan payment would be recalculated if I made an {$80000.00} principal paydown. I received the attached letter of XX/XX/year> which said yes my payment would be recast if I paid a {$250.00} fee and sent in a certified check. I sent a certified check and the {$250.00} fee on XX/XX/year> and Faye Servicing deposited that check into their XXXX bank on XX/XX/year> ( copy attached ). Although I called almost every day, I kept being told that my payment would be recast on different dates but it was never done. On XX/XX/year>, the attached letter was sent that states that they made a mistake and my loan payment would not be recast. Faye Servicing still charged me the {$250.00} recasting fee! I did not receive a return of my {$80000.00} until XX/XX/year> with no interest paid to me even though Faye Servicing had my funds in their general business account in their bank for 3 weeks.

I am requesting that since Faye Servicing committed in writing to recast my loan payment that they in fact follow through and recast my loan payment since they charged me the {$250.00} fee. In addition, I am due 3 weeks interest on {$80000.00} which I calculate to be {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with non-monetary relief