vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
XXXX SELENE XXXX Complete Short Sale package was submitted to Selene XXXX Confirmed Selene received complete package under review XXXX Selene requested additional documents including pay stubs and Bk previously submitted on XXXX XXXX Submitted additional documents requested on XX/XX/XXXX and updated pay stubs and bank statements. 
XXXX Confirmed with Selene additional documents received XX/XX/XXXX Documents under review with review team XX/XX/XXXX Selene requested some other additional documents and updated pay stubs and bank statements for the third time. 
XX/XX/XXXX submitted additional documents plus updated pay stubs and bank statements XX/XX/XXXX Per Selene a drive by BPO was done value at XXXX XXXX, additional documents submitted on XX/XX/XXXX received and under review XXXX Per Selene Underwriting an interior appraisal would be ordered XX/XX/XXXX No interior appraisal requested waiting on XXXX approval to move forward with interior BPO. Requested for the fourth time pay stubs and bank statement XX/XX/XXXX submitted pay stubs and bank statements XX/XX/XXXX Per Selene all documents received XX/XX/XXXX re submitted additional documents requested on XX/XX/XXXX XX/XX/XXXX started corresponding directly with Selene underwriter and Loss Mitigation manager via email Since XXXX to date date after XXXX emails between underwriter and Loss Mitigation supervisor there is no response on any decision other than they want yet again for the 5th time pay stubs, bank statements and W-2s.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: MI

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # : 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 2023-04-12 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: MI

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: WI

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-12 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: LCI Acquisition Inc.
State: CA

Complaint narrative:
To whom it may concern, I declare that my identity was stolen and used by frauds. I kindly requested to submit a dispute on these accounts, but several time got a response from XXXX that the letter is not coming from me even though I attached all my personal documents. I also tried to explain it to them via call, but even the supervisor I talked to refused to accept my concern. Please pay attention to this, I have also provided this information to other bureaus XXXX and XXXX, they received my documents and already deleted all the fraudulent accounts while XXXX is still refusing to accept my documents, saying that someone else is sending these documents without my knowledge. 

Fraudulent accounts : Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX of 2022 item XXXX XXXX. collector was removed off my account from the credit bureau Equifax. it is illegal for credit bureaus to put negative items back on your report once it has been deemed unverified or inaccurate. this account has not been properly verified. Equifax has failed to comply with federal regulations by credit reporting agencies. I was not given no evidence of my obligation to pay this debt to this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint against J.P. Morgan Chase Bank for fraudulent activity that occurred in my savings account. It has recently come to my attention that someone fraudulently withdrew a substantial amount of money, approximately {$10000.00}, from my account on three separate occasions within two days this week. While the bank has accepted responsibility and initiated an investigation, they have yet to deposit the stolen funds back into my account. This situation is highly concerning as it highlights the bank 's inability to safeguard its customers ' funds and maintain adequate security measures. 

My experience with J.P. Morgan Chase has been highly distressing, and I feel that appropriate measures must be taken to rectify this matter. I have been a customer of the bank for over 20 years and have never experienced such a breach of security. While I understand that mistakes can occur, the lack of transparency and support I have received during this process is unacceptable. As a result, I have decided to take appropriate action to obtain justice, including penalties and restitution for the stress and inconvenience caused to my family. 

This incident has eroded my trust in the bank 's ability to protect my funds and has left me feeling vulnerable and exposed. I urge the government to take a closer look at this issue and intervene to safeguard hard-working citizens like myself who entrust their funds to financial institutions. The safety and protection of customer funds should be of utmost importance and should never be compromised. 

I trust that the concerned authorities will take swift action to address this matter and ensure that justice is served. I look forward to receiving your prompt response and resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: CA

Complaint narrative:
XXXX XX/XX/XXXX I received a notification from Albert stating my XXXX  account ( the primary account where they have been withdrawing my money for my savings goals ) had disconnected and I tried multiple times between and XXXX and XXXX to reconnect it. 
- I reached back out to Albert on XX/XX/XXXX asking that they manually find a way to reconnect my account so I could withdraw the over {$4000.00} dollars that I have saved in the app. 
- None of the instructions received worked and on XX/XX/XXXX they told me that the app would need to be updated and this could take 2-3 business days. 
-It is now XX/XX/XXXX and I am still not able to withdraw my savings from the application. I have been constantly reaching out only to be bumped from person to person asking for me to explain the situation over and over with no resolution. 
-There is no live representative to talk to and they are saying they are not able to fix it. They are holding my money with no way for me to get it out.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I
have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX  XXXX, MI XXXX, But bureau reported that I have many addresses like XXXX XXXX PL XXXX, CA XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, 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 2023-04-12 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: MI

Complaint narrative:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX  XXXX, MI XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX  XXXX, CA XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
XX/XX/2023 - began the process of securing an apartment in XXXX, XXXX  since I am moving there in XXXX from XXXX, XXXX. 

XX/XX/2023- received a lease form ( signed ) and a request for the first months rent as a security deposit to be sent via zelle or wire transfer XX/XX/2023 - was able to send the first {$1000.00} to the " landlord '' and have a receipt which shows it as delivered. Leasing agent said that they never received the funds. 

XX/XX/2023- received a threatening email from the landlord that I had not paid in full, or any amount for that matter, and needed to send {$2400.00} immediately or else they would lease the apartment to someone else. 

at this point I knew it was a scam so I filed a dispute with my bank on XX/XX/2023 and as of XX/XX/2023 they denied my request saying that I was a willing participant in the XXXX transfer and there was nothing they could do to get me my funds back despite me stating it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
LexisNexis is violating my consumer rights 15 USC 1681- I provided them with a signed court order vacating fraud bankruptcies filed using my personal information. LexisNexis has not deleted the bankruptcies from my file. Nor have they notified the credit reporting bureaus to have them removed the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: NY

Complaint narrative:
I have been having such a hard time trying to deal with Experian and XXXX in removing these fraudulent accounts. I am a victim of Identity theft and fraudulent accounts were opened without my knowledge or consent. I tried working with the bureaus directly but they have not been helpful at all.

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 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have been calling since Friday XX/XX/XXXX trying to release funds from a check that was cashed. starting Monday XX/XX/XXXX we were given a lot of instructions to get it cleared and hold taken off, by chase bank. Chase can not get in contact with XXXX XXXX XXXX XXXX XXXX, the bank from where the funds are coming from, to verify payment. The payment is in the amount of XXXX . We tried discussing this with XXXX XXXX bank and they refused to help confirm funds. This is an urgent matter as I need the funds to close on home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Made online payment for XXXX XXXX store credit card administered by Synchrony Bank on XXXX. Paid credit card account with a XXXX XXXX checking account. Payment amount is {$230.00}. Synchrony Bank processed twice this amount in two transactions ( {$230.00} twice ). For each transaction there is a confirmation number. I have confirmation number ending XXXX. For the second payment transaction I do not have or receive this confirmation number ending XXXX ( this transaction was not performed by me ). It is very troubling there is a confirmation number on the second payment not performed or authorized by me. 
I called Synchrony customer service and was first told I made 2 payments, I did not. Second I was told there must have been a system error causing the payment to be made twice. I asked for the overpayment {$230.00} to be credited back to my checking account. I was told Synchrony would send a physical check and it would be XXXX business days ( unacceptable ). Easiest but not best way is to leave a credit card balance of $ XXXX on the account. The monies will be used eventually, but I should not have been debited twice on my checking account, and it should be fast and convenient to get the monies refunded for Synchrony errors.

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