vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: MD

Complaint narrative:
PROBLEM SUMMARY : I paid {$7000.00} as an advance " Escrow '' payment for the entire XXXX calendar year ( {$590.00} per month x 12 ) on XX/XX/XXXX. After the payment was processed I was informed that it could not be applied to cover the Escrow for XXXX without refinancing my mortgage loan. I declined to refinance the loan and requested a full refund of {$7000.00} in XX/XX/XXXX however " Selence Finance '' will not refund my money. I have spoken to 5 or 6 representatives and filled out the appropriate paperwork at least 3 times and was told I completed the paperwork successfully however my money has not been refunded. The representatives will not allow me to speak to their supervisor or anyone in management to resolve this issue. 

DETAILS After making numerous calls to " Selene Finance '' and speaking to different " Representatives '' in XXXX and XX/XX/XXXX regarding paying my " Escrow '' in advance for the entire XXXX calendar year and being informed of the necessary steps to take, I moved forward on XX/XX/XXXX and made an " Escrow Payment '' ONLY of {$7000.00} designated as funds targeted to cover all 12 months of " Escrow '' for XXXX. This amount equaled a monthly " Escrow Payment '' of {$590.00} per month for XXXX thru XX/XX/XXXX. As of XX/XX/XXXX the payment completed processing and showed up on my account as an " Escrow Payment ''. However I received a communication from Selene Finance in the middle of XX/XX/XXXX that my " Mortgage Payment '' would increase in XXXX to cover a projected XXXX shortfall of {$840.00}. When I requested that the money be taken from the {$7000.00}, I was informed that my " Escrow '' could not be paid in advance for XXXX unless I restructured my mortgage loan which would require a refinance of the loan. I declined to refinance the loan and requested a full refund of {$7000.00}. 
A representative gave me instructions to fill out the appropriate document which I did. After the form was processed I called " Selene '' and a representative verified that it was completed properly and told me the money would be refunded in 7-10 business days. This didn't happen. When I inquired why my refund hadn't occurred a " Selene Representative '' told me I needed to repeat the process so I repeated the process a 2nd time with no results and inquired again about my missing refund. A representative instructed me to repeat the process ( a third time ), which I did and got the same results. I have made at least 10 calls and spent several hours trying to resolve this issue unsuccessfully. I have repeatedly asked to speak to a " Supervisor '' or someone in " management '' and no one will patch me through to management. I am at my wits end. 
Please help me to get my {$7000.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated by my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the reports by more than 7 years..

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
XXXX XXXX had XXXX issues, before my husband knew this he tried to send me {$400.00} via his bank WE financial. 

I received an email from XXXX that the deposit never made it to me and to have my husband re-send the transaction. 

However the {$400.00} left my husbands WE account, and never made it to my XXXX account and he has yet to have the funds return to his WE account. 

Weve called both banks after waiting to see if money will return to his account automatically and been getting nothing but the run around starting XXXX WE told him XXXX has the money and for me to call my bank. Called my bank they said no WE has the money. 

XX/XX/XXXX called both banks again. This time WE advise my husband he needed to wait 14 business days from XXXX and the money will be back. 

XX/XX/XXXX still no money so he went to WE branch. WE tells him, XXXX is supposed to give the money back that was the agreement between XXXX and other banks for the XXXX incident. 

XX/XX/XXXX we go to XXXX branch, they advise no, all my husband needs to do is file a dispute with WE cause WE has the money. We immediately left XXXX and drove to WE, what did WE say. XXXX has the money, they are aware and that all we can do is sit and wait for it to come back to us. 

This is getting beyond ridiculous all we want is the {$400.00} returned to his account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These personal information are not mine please update everything!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


From XXXX XXXX XXXX XXXX : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX From TransUnion Intermediate Holdings , INC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these accounts have violated my rights. As a reminder to my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In XXXX 2022 XXXX XXXX XXXXXXXX ( XXXX ) sold my loan to Select Portfolio. We had a XXXX LOC HELO loan XXXX for over 10 years. The payments were automatically withdrawn, and the loan was in excellent status. Almost immediately I saw that Select Portfolio changed the terms of the loan.

1. I called Select Folio and agreed to have up to {$500.00} deducted from my bank to pay this new bank. The 1st month was approx. {$260.00}, next month {$740.00} and then finally they withdrew {$1500.00} in XXXX. This was quite a bit more that the {$500.00} I allowed. Basically, my monthly cost was 400 % higher than XXXX within 6 months. 
2. My loan with XXXX allowed changes from fixed to variable and vice versa, something Select Folio will not do. This is a huge problem since I wanted it converted to a fixed interest rate in XXXX. 2022 This was before all the large rate hikes. 
3. Next, they added a clause whereby they wanted me to purchase additional insurance. This was not required at all from XXXX. 
The loan was for only XXXX, yet the house and land are worth over XXXX. 
They started charging me over XXXX for insurance I didn't need or want and added it to the loan despite already having insurance that was not required since the inception of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: MARINER FINANCE, LLC
State: SC

Complaint narrative:
I filed a investigation with XXXX, XXXX, and XXXX about my account with XXXX XXXX account ending in XXXX. As well as Mariners Finance, LLC. This is a charge off account that still has a balance. Also, the statute of limitations has expired. I have written to all the credit reporting bureaus numerous times about the dates and the amount, which is incorrect. 
How can it be a charge off account and report with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: NC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I took out a loan for {$1100.00} in XX/XX/XXXX. The first payment of {$530.00} was deducted on XX/XX/XXXX. I have since paid {$370000.00} in CAB fees. This is egregious, and although I thought I understood the repayment process, I am still paying this loan. They said I must make six months of CAB payments before I can pay off the {$1100.00} loan. I feel that this is predatory, and they should be required to apply some of the CAB fees to the loan principal without me having to call back three days after I pay the CAB fees to make an additional payment to pay down the principal. 

I signed the contract but was not fully aware of the CAB fee process. It was explained to me, but I still think it is predatory in that they have collected triple the original loan amount. I have sent a cease and desist letter via email requesting that they discontinue debiting my account, and I am requesting arbitration to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma, LLC
State: AL

Complaint narrative:
I lost my wallet and I have been learning of my credit report and my card ordered from credit karma was lost seeing that it was in my wallet along with my other items such as my XXXX business card given by a fellow member. Im reporting in case of fraud or scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Constar Financial Services, LLC
State: TX

Complaint narrative:
Someone supplied this company with my phone number. I am not the contact they are looking for and they continue to call me from various numbers and do not leave messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX : XXXX, XXXX  XXXX XXXX XXXX : XXXX, XXXX  XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/2023 I went to XXXX store number XXXX address XXXX XXXX XXXX XXXX Alabama XXXX to load {$300.00} on to my chime card. The lady made me swipe my card twice cause she said it didn't work the first time. At XXXX {$500.00} was deducted from my account for " adjustment ''. At XXXX the {$300.00} was deposited into my account. I have contacted chime and XXXX and no one is helping me to resolve the issue. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Earm LLC
State: IL

Complaint narrative:
This is a scam trying to say I took a loan out and they have my social security number I have never taken a loan out before. They also stated they will hunt me and my family down which is a threat to me and my family. This company needs to be closed no one should ever be allowed to be making threats.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent the credit bureau letters asking them to verify information and accounts on my credit report. They sent me letter back stating that the accounts are verified as accurate. I still have inaccuracies on my report. 

XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, desmoines, IA XXXX, XXXX ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was going through my credit report, and I am concerned about several inaccuracies and incorrect reporting that is now affecting my ability to accurately and effectively use my consumer credit. 

Per FCRA regulations 15 USC 1681 ( a ) ( e ) 15 USC 1681 ( i ) ( 7 ) 15 USC 1681 ( g ) The following late payment accounts should be removed per FCRA 15 USC 1666b, 15 USC 1681a ( 2 ) ( a ) ( i ) XXXX  acct # XXXX XXXXXXXX XXXX XXXX  acct # XXXX Please remove these accounts based on current FCRA laws and inaccurate reporting. 




XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I was offered a settlement of XXXX dollars ( which I paid ) to settle my account with GM Financial. I also have written documentation that states " our client ( gm financial ) will report the account has been resolved for less than the balance '' ( XXXX XXXX ). Instead of reporting the account accurately, they reported my account as if if I STILL HAVE A BALANCE DUE ( XXXX and XXXX XXXX ). This mistake dropped my credit score XXXX pts. I disputed this, reached out to GM Financial regarding this and within a week they reported the account as " XXXX missed payment '' and that my payment is currently late ( XXXX ). THIS IS AN INACCURATE report and a FCRA violation in which they fail to understand. This second mistake caused my credit score to drop XXXX more points ( IMG XXXX ). This makes XXXX sense IMPORTANT FACTOR : This account was charged off XXXX yrs ago in which I already took a hit to my credit for at the time. 

There is no way I should be penalized XXXX  times especially after paying the agreed upon settlement. In the least bit XXXX shouldnt have lost any points. 

Since I paid the settlement balance and have in writing they would report the account as being resolved, I am looking for Gm Financial to erase this account off of my credit report returning my credit score back to normalcy. If Gm fails to resolve this I have no problems getting lawyers involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRO MORTGAGE ASSOCIATES, INC
State: OK

Complaint narrative:
Mortgage Lender, advertising on FB about availability of rates for different programs. However, the ads are missing key componets of " disclaimers for eligibility, including the loan amounts, the credit score required to obtain these rates and down payment amount ''. Additionally there are no NMLS # s listed for the Lender or any specific Originators. All of which appear to be a violation of https : XXXX A consistent and ongoing concern with this Lender, polluting the market place with potential falsehoods.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These personal information does not belongs 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