vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
My mortgage company SELENE Finance states that I am behind XXXX mortgage payments in which I am not. I was discharged from bankruptcy on XX/XX/XXXX, the mortgage payments made had to be up to date right up until discharge of bankruptcy and continuous. If not I wouldn't have been discharged from bankruptcy. The mortgage banks statements from SELENE Finance from XX/XX/XXXX through XX/XX/XXXX show an up to date mortgage bank statement balance due. In other words all was showing current with no payments missing or behind. 
The mortgage bank statement for XX/XX/XXXX wasn't even sent. Though a mortgage bank statement for XX/XX/XXXX was sent where it showed that I was now behind two mortgage payments, how is this possible! I have been battling with SELENE Finance and there customer service agents, and till this date they cant tell me or show me whether in writing, e-mail, text, over the phone, certified return receipt any proof of their records where it shows that I am behind these mysterious two payments. Selene Finance continues to send us notice of foreclosure letters, even though we continue to pay our up to date mortgage payments. 
My family and I are so upset, on the brink of a XXXX XXXX that it's affecting our livelihood and our children. I have been making mortgage payments for XXXX years now this is not the way to experience the American dream of of buying and owning a home. I hope the CFPB can help our situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: RI

Complaint narrative:
My XXXX XXXX XXXX loan was incorrectly reported late for the second time. The first time I called and it was investigated and remedied. This time they have not remedied the inaccurate late payment and it is adversely affecting my credit.

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 2022-07-14 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: FL

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Accounts below have 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 - XXXX XXXXXXXX Account # XXXX XXXX  XX/XX/XXXX : {$360.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$270.00} - XXXX XXXX Account # XXXX XXXX  XX/XX/XXXX : {$490.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$3700.00} - XXXX  XXXX XXXX Account # ; XX/XX/XXXX : {$650.00} - XXXX XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$80000.00} - XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX {$15000.00} - XXXX Account # XXXX ; XX/XX/XXXX {$3500.00} - XXXX XXXX XXXX  Account # XXXX ; XX/XX/XXXX {$73000.00} - XXXX XXXX  Account XXXX XXXX ; XX/XX/XXXX {$360.00} 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

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 2022-07-14 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, XXXX Accounts below have 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 - XXXX XXXXXXXX Account # XXXX ; XX/XX/XXXX : {$360.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$270.00} - XXXX XXXX Account # XXXX XXXX XXXXXX/XX/XXXX : {$490.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$3700.00} - XXXX XXXXXXXX XXXX Account # ; XX/XX/XXXX : {$650.00} - XXXX XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$80000.00} - XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX {$15000.00} - XXXX  Account # XXXX ; XX/XX/XXXX {$3500.00} - XXXX XXXX XXXX  Account # XXXX ; XX/XX/XXXX {$73000.00} - XXXX XXXXXXXX Account XXXX XXXX ; XX/XX/XXXX {$360.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I recently realized that between a billing error on XXXX 's part and other billing errors, that I was being charged amounts that did not add up to the amounts I owed and/or that I needed to cancel payments because I was entitled to dispute and not pay for a service even at the cost of the service so I could have my money back. Essentially, TD Bank is trying to force me to pay amounts for services that are unreasonable and reverses any dispute if it turns out I had the card in my possession not whether the transaction itself is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX Harassing, oppressive, or abusive conduct. 
" Per the CFPB, " If you believe a debt collector is harassing you, you can submit a complaint with the CFPB. '' Person/party who stands to gain monetary : XXXX XXXX XXXX Person/party responsible through whom actions were/are initiated/directed : XXXX XXXX XXXX FL Bar # XXXX of XXXX XXXX XXXX, XXXX, XXXX Service Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Office : XXXX Cell XXXX XXXX XXXX No Text Messages Fax : XXXX For more than 3 years, as materially documented with the CFPB, XXXX XXXX XXXX has himself impersonated a bank XXXX XXXX XXXX has also DIRECTED more than 30 other individuals ( public servants and non public servants ) to take part in his impersonation of a bank, as an injured party to who it has been stated by the " actors and actresses '' that the bank is an injured party, in the amount of approximately {$140000.00}, and that I, a consumer, am responsible for that injury. 

I, the consumer, have contacted the bank of interest named by XXXX XXXX, US Bank National Association, multiple times, most recently 10 times directly, since XX/XX/2022, OFFERING TO DISCUSS and agree to PAY the bank any amount that XXXX XXXX has stated to me in writing that the bank is owed. 

US Bank National Association has failed to respond to me zero times over the past three years. 
US Bank National does not respond to me to collaborate ANYTHING XXXX XXXX XXXX has sent me and has directed over 30 other people to send me ( all have been using the United States Postal Service System ). 
I can submit all tangile proof, pictures, copies of all material documentation, they have sent to me by USPS mail soliciting, intimidating and threatening actions against me to pay to XXXX XXXX andcthe law firm he represents. 

XXXX XXXX XXXX has been impersonating XXXX BANK XXXX by using the XXXX system to seduce, oppress, threaten and harass me into paying him monies.

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 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have attempted many times to resolve this matter, this is an unauthorized account, I did not authorize this account, this is not my debt. The stress this has caused is overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX  XXXX Bankruptcy Case Number : XXXX As a consumer by law, this account must be deleted immediately 2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
+16. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report XXXX Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-07-14 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: FL

Complaint narrative:
I contacted XXXX, Transunion and XXXX regarding the recommendation from a magistrate as well as an order of dismissal from a judge in XXXX XXXX, Florida. I requested deletion of a fraudulent account that was placed in my name. The court has ruled that XXXX was unable to provide a written contract between myself and the company to the court. Subsequently, the court dismissed the lawsuit attempting to recover funds from me regarding an account that was not my responsibility. 

All of the credit bureaus have refused to delete this tradeline off of my account even though I have provided them the attached court order. This is WRONG. They are claiming they " investigated '' the account on my report. There is nothing to investigate. The court dismissed the suit.

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 2022-07-14 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: FL

Complaint narrative:
I contacted XXXX, XXXX and Experian regarding the recommendation from a magistrate as well as an order of dismissal from a judge in XXXX XXXX, Florida. I requested deletion of a fraudulent account that was placed in my name. The court has ruled that XXXX was unable to provide a written contract between myself and the company to the court. Subsequently, the court dismissed the lawsuit attempting to recover funds from me regarding an account that was not my responsibility. 

All of the credit bureaus have refused to delete this tradeline off of my account even though I have provided them the attached court order. This is WRONG. They are claiming they " investigated '' the account on my report. There is nothing to investigate. The court dismissed the suit.

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 2022-07-14 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian has shown a credit score for me between 790 and 820 for many years. In 2022 they reported as usual until XXXX. Then their " alert '' on their website ( which I normally do not visit ) said " No FICO score found. '' In XXXX my score was back to normal at XXXX. In XXXX again " No FICO score found. '' I was unaware of this because they did not notify me by any other means ( apart from the " alerts '' that I can't see unless I log in to my account on the Experian site ) and I never have a reason to go to the Experian website. Today, XX/XX/2022, my bank happened to make a credit enquiry and Experian told them that my credit score was XXXX and that I did not have enough information for a credit history. My bank advised me to contact Experian becuase of potential fraud. My trying to contact Experian was a futile waste of time. I tried phone but could not get past the recorded messages. I tried chat agents but they are not available. I tried writing to them and the very form they make available on their site warns that it will be some time before I get a response. In the mean time, their incorrect information has the potential to damage my relationships with financial institutions and is hindering my ability to conduct business with my own bank of 35 years.

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 2022-07-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
. Did not consent to unauthorized inquirXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Validate Account Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Dear CFPB, On XX/XX/2022, my loan was transferred from XXXX XXXX to Selene Finance. On XXXX XXXX, I received in regular mail, and a certified copy of Notice Of Default and Intent For Acceleration.Selene has only had my loan for barely 3 months which I was not completely in the system. On XXXX XXXX, I contacted Selene and stated that I wanted to make payments online. 

I was told that I could not make payments online because I was not in the system, due to the transfer not completed. I made two payments on XXXX XXXX, please keep in mind that my due date was moved to the XXXX of every month and this request was granted by my previous lender XXXX XXXX, therefore I have a 15 day grace period from the XXXX to the XXXX to pay the mortgage. 

Selene Finance had generated a Notice Of Default and Intent For Acceleration for two months and escrow balance which is illegal.Mortgage lenders can exercise their right only generate a Notice Of Default and Intent For Acceleration for 3 months of unpaid mortgage, not escrow that no longer exist due to I canceled my escrow account with my previous lender XXXXXXXX XXXX. 

I am not delinquent on my taxes or my homeowners insurance.On XX/XX/2022, contacted Selene Finance and spoke to XXXX in customer service pertaining to the Notice Of Default. I asked XXXX about the Notice and was told my account is current and please disregard the notice.XXXX  also told me that the company can not file a Notice Of Default for an non escrow account and it was illegal. 

I was already knowledgeable about this, and requested to have the disregard letter in writing, but was told I would have to write a request letter for the disregard letter in writing instead of verbally told over the phone by her. I also ask her if Selene Financing has an Ombudsman department and I would like to be transferred there.XXXX stated to me yes, but I would still have to put it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act.

Debt collectors are not allowed to communicate with me under the 15 USC 1692C

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