vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: TN

Complaint narrative:
Selene Finance, declined my loan modification. 
Now, Im facing fore-closure. 

They said they would help me, but just declined my loan modification. 
I make enough money to stay here, The interest rate adjusted from 4 to 8 %!!!!!!! 
I need a affordable interest rate to lower my payment. 

they are trying to foreclosure while in a pandemic!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I am currently in the middle of financing and this unknown collection account appeared on my credit. I have not received a collection notice, phone call or anything for that matter informing what the debt is for before it was placed on my credit. I have also not been able to reach anyone at this institution. They have 2 different COLLECTION COMPANY NAMES ON MY CREDIT. The name on my credit is Pacific Credit Service Account Number XXXX XXXX and the address of this company belongs to Credit Bureau   Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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:
I contacted Experian about fraudulent accounts being on my credit report. I want these unauthorized accounts to be deleted. 
1. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had to hire several credit repair and spend over XXXX with companies within the last twenty four months. This was to request to have old items removed given that they are past the Statue of  Limitation. These items are holding me XXXX for a better life for myself and my Family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XXXX, I paid my auto loan account off that was held by XXXX XXXX. Upon completing a home loan application in XXXX of XXXX, I was denied due to a derogatory charge off account on my credit report. Upon review, I discovered that my paid in full account for XXXX XXXX  was being reported as a charge off and not as a satisfactory paid in full account as agreed upon with XXXX XXXX. I have contacted the company several times to get this issue rectified to no avail. My final email was forwarded to the company on XX/XX/XXXX and no one at XXXX XXXX is willing to assist with this erroneous information being reported on my credit report. I have a clear title to my vehicle and XXXX XXXX has failed to uphold to the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got a copy of my report and on and I find that there is a balance from Capital One that I was not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Loan Summary ( Loan # : XXXX ) View contract Loan Status Funded Original Loan Principal Amount XXXX Funding Date Tuesday, XX/XX/XXXX Final Due Date Thursday, XX/XX/XXXX Loan Principal Remaining XXXX Total Past Due Balance XXXX Next Payment Due Date Tuesday, XX/XX/XXXX Next Payment Amount XXXX Today I made a payment of {$2000.00} and I was told by the agent that I still needed to pay {$2800.00} to payoff this loan. 

This company is a ripoff. I have already paid over {$6000.00} for a {$3300.00} loan. I would like for the account to be paid in full for the loan principal remaining which is {$1100.00}. Im not paying anything other than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: IL

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report.

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 2020-08-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Inquiries on my equifax credit report that they will not remove after I complained to them that I did not authorize them to pull a hard copy, but a soft copy instead. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: IL

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report.

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 2020-08-12 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: IL

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/XXXX I was attempting to recover charges made on my XXXX XXXX daughter 's XXXX   Card, I called the number I believed to be XXXX  Support. While I was attempting to get {$14.00} refunded I was directed to make dummy transactions by using XXXX Chase to proceed further services. I was asked to enter verification codes, which were actually the dollar amounts they were scamming from my Chase bank account with XXXX in the Chase App, I quickly realized it was fraudulent & hung up the phone. I immediately contacted Chase on support line & froze the account. I was assured that I had froze the account before any charges were processed. I received an email from Chase Quick Pay Team stating the charges were canceled.This was on a Friday. On Monday I went to the Chase bank lobby and closed those accounts & transferred all of the funds to 3 new accounts. I was again assured by the accounts representative that no withdraws had been processed and I didn't need to be concerned about the charges after opening the new accounts. The next morning ( XX/XX/21 ) I checked my new accounts and realized that the fraudulent withdraws had been processed. I immediately called the account rep who had assisted me the previous day, she assured me that it must be an error and she would check into it. That afternoon I was contacted by the same bank employee that the charges did go through and they could not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have had to hire several credit repair and spend over XXXX with companies within the last twenty four months. This was to request to have old items removed given that they are past the Statue of Limitation. These items are holding me hostage for a better life for myself and my Family.

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have had to hire several credit repair and spend over XXXX with companies within the last twenty four months. This was to request to have old items removed given that they are past the Statue of Limitation. These items are holding me hostage for a better life for myself and my Family.

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 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX in XXXX took my debit card for sushi within hours i believe someone there took my debit card # s set up a cash app in my name and stole {$300.00}. Chase would not return because of a possible fraudulent charge in XXXX that was not fraudulent and unrelated. They gave the {$19.00} money back on the XXXX debit to XXXX which was not fraudulent and said they would not give me the money back on theft of my card # s and CASH APP scam of {$300.00} which i reported immediately. 

Their contention was because I thought a charge may have been farudulent and wasnt in XXXX that 60 days after that they are not responsible for any fraudulent charges made after 60 days. A way for them not to pay out on theft of my card even though i reported the theft with in hours. A bank that has trillion of dollars allows your card to be robbed and will not return the funds. It seems as though my money is not safe with chase, in the cyber word people can steal your money electronically easier than from your pocket.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very frustrated because I have mailed the credit bureaus twice and they are ignoring me. There's information that is too old to be on my report and I want it removed. I tried in XXXX and again in XXXX and I have received NOTHING in response.

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 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was an existing Chase credit card customer, and opened a checking account online on XX/XX/2020. I transferred {$1200.00} into the new Chase account from my other bank account. But two days later I was locked out of my online banking. I called Chase and was told that my checking account was closed. However, my {$1200.00} deposit was not returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CA

Complaint narrative:
Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as 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 explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
To Whom It May Concern : This year my house went into foreclosure. I found out after my house insurance company reached out to me. I never received a letter or documentation stating the house had gone into foreclosure. 

I had made at least 4 back payments prior to the house going into foreclosure. The mortage company would not honor the payment. 

As stated previous, I never received any paper work/documents in regards to the home as being foreclosed. 

I moved out the home in XX/XX/XXXX. I had a tentant in the home from XX/XX/XXXX to XX/XX/XXXX, The home was vacant as of XXXX. The home is in 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 2020-08-12 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of Federal Law. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor the credit bureaus, as willful non-compliance. Ocwen Loan Servicing XXXX Open Date XX/XX/2005 Balance {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/2020, TD Bank opened a XXXX credit card in my name with a {$4200.00} credit limit. I never applied for a card, never used this card and never will use this card. I have tried to call XXXX XXXX ( TD Bank ) at least 20 times, have waited on hold over an hour each time, and ultimately disconnected the call due to no answer by the bank. The bank offers no other mode of communication ( mail, email, etc. ). The chat functionality on TD Bank 's website just shows no internet connection and does not work. Their level of consumer support is deplorable and I am wondering if they are taking the same approach as XXXX XXXX did in setting up accounts without a consumer application or knowledge. I need this account closed immediately and proper notations made to my XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
I received a call from Jefferson Capital Systems, the agent asked me to verify my name. I told her if the call was an attempt to collect a debt to please communicate with me thru mail only. She hung up on me. I never received mail from this company and now the account is on my credit reports. 

The account is listed as a collections debt with original creditor XXXX   XXXX  and I feel I was not given the opportunity verify the account as mines and I am not aware of the original creditor. This is why I asked the collection agency to contact me via mailbso I would have the information I needed to assure this debt is indeed mine. 


The balance is showing at {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as 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 explanation
Consumer complaint received 2020-08-12 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: CA

Complaint narrative:
Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CA

Complaint narrative:
Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Chexsystems reported a negative review for an incorrect amount owed to XXXX XXXX which caused a decline to open a checking account. Chexsystems nor XXXX XXXX notified me of this reported amount per the fair credit reporting act.

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 2020-08-12 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as 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 explanation
Consumer complaint received 2020-08-12 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: CA

Complaint narrative:
Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as 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 explanation
Consumer complaint received 2020-08-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of Federal Law. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor and the credit bureaus, as willful non-compliance. 
Wells Fargo Card Ser XXXX Open Date XX/XX/XXXX Balance {$2500.00} and Wells Fargo Card Ser XXXX Open Date XX/XX/XXXX Balance {$21000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief