vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I would like to put in a complaint against Selene Finance and the lender who has my mortgage. I have tried several times to process a loan modification. They are not calculating my income correctly. I keep getting denied as they state I do not make enough money. I was placed on furlough from my current employer from XXXX due to the COVID-19 pandemic. They state that they are willing to help for whoever has been effected. However, they are not calculating the money I received off of unemployment. Why do they ask for 3 years worth of tax returns and W-2 's if they are only going to look at 1 year? Selene also states that they will not use my boyfriends income as the lender does not allow it. However if we were married they would. Even though he is not on the loan. Basically I am being punished for not being married. My boyfriend and I have been together since XXXX and we have lived at the property together since the day it was purchased in XXXX. In New Jersey this is considered common-law. We have written several letters to Selene, basically to be denied every time. This has been going on for over a year causing me to fall more and more behind as they will not take a payment from me. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
in 2019 BBVA BANK did not renew my card upon expiration. the reason for closing my visa credit card account that was never late was that i had a few cards max out around that time. i explained i am a business owner and i XXXX XXXX  and it is common for m debt to go high and then go back down upon closing a project and receive payment. 30-60 days prior to this decision by BBVA i also paid off a unsecured personal loan of $ XXXX that was open a little over a year .... i did bring this up to the rep making this decision and that did not matter. within the last 8 months they have disabled my account login which had an external business checking account attached so that i can make payments from anywhere since the BBVA BANK locations are not in all states or cities so that makes it difficult to make payments in person unless i am in texas. disabling my log in access has also restricted e from seeing my balance amounts and payment dates or minimum payments due. i am on hold right now for the third time today while creating this complaint with ftc because i can not reach an in states representative that can understand my attempt to make a payment. they keep repeating what i say back to me without resolving my payment processing issue and i have asked several times for an account supervisor or someone in the states to speak with. i am in XXXX florida this past 5 weeks and there are no BBVA branches in the city of XXXX or in the XXXX  florida area. the overseas call center in XXXX just leave you on hold or taunt you by reapeating and stretching out your call as long as possible. so i can not log in to pay my payment because BBVA disabled my login on my credit card that was closed by BBVA and i can not get an in states rep or supervisor to make a payment over the phone for a closed account. yet they want a late fee for a payment they make it impossible to make for an account they closed and blocked log in access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: MI

Complaint narrative:
As a XXXX year old, XXXX XXXX veteran of the XXXX era, XXXX  XXXX ( can't see out of XXXX XXXX  and barely able to XXXX  out of the other ) it has become unbearable to continue to fight the enemy. The enemy is Discover Financial Services of Delaware and their allies the debt collectors operating with complete impunity because they are licensed State of Michigan Lawyers operating under the name of XXXX & XXXX, XXXX. This situation goes back to XXXX when I signed an application for a Discover Card from the then XXXX XXXX XXXX XXXX Over 17 name and changeovers Discover Financial took a {$10000.00} debt and has made it over {$30000.00}. Their debt collectors have denied me the right to make installment payments. Did I mention this account goes back to XXXX. This debt was in my name only and just a few of the legal bullying incidents include : A judgement which was blunted because my attorney, me, didn't realize you can't subpoena Discover 's contract owners because they were out of state. So representing myself Pro Per or Se I attempted to reconcile the court case. Discover is a XXXX dollar company with unlimited assets and their representatives have filed over 1,600 cases in the XXXX. District Court, so yea, they won, win, and keep winning in spite of 1 ) Placing illegal Judgement Liens on my ex-wife 's real property in XXXX, XXXX and XXXX. All that in spite of laws that call such actions illegal, immoral.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: ZIONS BANCORPORATION
State: CA

Complaint narrative:
My XXXX credit report was accessed on XX/XX/2020 as indicated by a hard credit inquiry by XXXX XXXX XXXX. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX  credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

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 2021-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the XXXX  credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

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 2021-04-23 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: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
Wells Fargo Student Loan Department. I have been a Wells Fargo name customer since I took out student loans in XXXX and during that time, I have made all my payments ontime, even when struggling financially, I never missed a payment, 24 months plus. When Covid-19 hit, I took a furbance as I lost my job and after the 6 months, I applied for the 2 extra months Wells Fargo offers in general. I was accepted online but then got wrongfully declined and a letter was sent to an old address. XXXX of XXXX. NO email or call was made to me, and this has been confirmed by Wells Fargo, which is not their protocol and they admitted it was an error on their end. When the payment didnt come in, Wells Fargo did NOT call me, OR email me alerting me of this ( which is protocol for them ). This has been confirmed on a phone call and a case that I filed with Wells Fargo. 

At the time of the late payments ( XX/XX/XXXX-XX/XX/XXXX XXXX, I was under the impression that I was in forbearance, the moment of finding out I was late 2 payments, I paid everything in full and also paid the future payment, to be on the safe side. The missed payments are not a honest indicator of my actual credit worthiness NOR my co-signers. I hope that Wells Fargo is willing to work with me on erasing this mark from my credit reports and my co-signers. My credit and both of my co-signers credit were hit incredibly hard from this error on Wells Fargo 's end and now I can not refinance my loans due to their mistake. A case was opened and fault was admitted but they will not wipe it from my credit report nor my co-signers. 

I am in the process of buying a home, and with these negative marks on my credit report, it dropped my score and my co-signers score 200 points. This does not represent my co-signers credit nor mine.

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 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My card was used XX/XX/XXXX and XXXX at a atm for XXXX  dollars. Both days the atm clearly was used multiple times with some of the transactions were for XXXX dollars because obviously they didnt know my limit for transactions. I reported this to Bank of America and they closed my claim once i ordered a new card and now reopened it after i called checking on the claim, now i have to wait 45 days and i have rent and a vacation that was already planned coming 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 monetary relief
Consumer complaint received 2021-04-23 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This is a formal complaint against Santander located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Santander has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CA

Complaint narrative:
My Experian credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the Experian credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

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 2021-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I am completely unaware of this collection agency. I was never notified about an attempt to collect a debt. The debt has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CA

Complaint narrative:
My Experian credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry by XXXX  ( XXXX XXXX XXXX XXXX ) I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the Experian credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

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 2021-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My XXXX, XXXX  and XXXX  credit reports were accessed on XX/XX/2021 as indicated by a hard credit inquiry by Capital One Auto Finance. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the XXXX credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am having issues with unrecognized accounts and information appearing on my crdit file. I want to block my XXXX XXXX, XXXX, XXXX credit file and I like a PIN number for the safety and security of my personal information. Please send me a FULL REPORT OF MY CLUE FILE ( LEXIS NEXIS ), and a FULL REPORT FROM XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: NC

Complaint narrative:
I have been the victim of identity theft and I have a letter to go along with the items listed in this letter. The individual of individuals used my credit without my consent. Here are the items : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CA

Complaint narrative:
My XXXX, Equifax and XXXX  credit reports were accessed on XX/XX/2021 as indicated by a hard credit inquiry by XXXX XXXX XXXX XXXX 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the XXXX/Equifax credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CA

Complaint narrative:
My Experian, XXXX and XXXX  credit reports were accessed on XX/XX/2021 as indicated by a hard credit inquiry by XXXX XXXX XXXX XXXX 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the Experian/XXXX  credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

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 2021-04-23 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: U.S. BANCORP
State: AR

Complaint narrative:
I have call XXXX XXXX and XXXX to let them know I was pair of they error in there system the representative told me I was not part of the error the representative from transunion hung up the phone in my face they remove the inquires off but they put them back on I am also have been a victim of identify where I had a fraud alert on my credit to state that and the representative didnt seem to care

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