vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: SC

Complaint narrative:
XXXXPayment made online. Account was current and XXXX payment was an overage equalling XXXX payment due XXXX. XX/XX/XXXX payment wa {$440.00}, confirmation number XXXX. Payment was applied to principal, not to XXXX amount due. XX/XX/XXXX I called XXXX representative XXXX. to pay remaning XXXX balance of {$440.00}. XXXX took the payment. XX/XX/XXXX payment of {$440.00} -confirmation number was XXXX. I was told the the funds ( two payments of {$440.00} ) would be applied and that XXXX payment was successfully made. As of XX/XX/XXXX my account shows 28 days delinquent and I was assessed a late fee, despite paying entire amount due before grace period.I called Selene finance on XX/XX/XXXX, XX/XX/XXXX and was told the funds were in suspense and would be applied. I spoke to XXXX, XXXX and XXXX ( XX/XX/XXXX ) and was assured by XXXX and XXXX XXXX on XX/XX/XXXX that the payments would be applied and late fee removed. As of this writing XX/XX/XXXX the funds are not accounted for, neither of the XXXX payments made in XXXX are applied to the XXXX balance, and the account shows XXXX days delinquent ', which wrongfully impact my payment history as reported to credit bureaus. There has been no late or missed payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent the investment firm.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MD

Complaint narrative:
On XX/XX/XXXX, my wife and I were informed that a lien was put on our home due to unpaid property taxes in XXXX. After investigation, it appeared that our mortgage handler, PRMI, was responsible for this. We purchased our home in XXXX, our escrow account was up to date, and we'd never missed a payment. PRMI confirmed that we'd never been delinquent, but were unresponsive to all inquiries about the lien. Since the lien needed to be paid off by XX/XX/XXXX, we had no choice but to pay the lien off ourselves on XX/XX/XXXX to avoid the risk of losing our home. PRMI have still yet to respond to reimbursement inquiries. We still don't know where our escrow account was allocated in XXXX, since it wasn't used to pay property taxes. The notice and receipts are attached. 

Additionally, my city 's tax bureau has yet to update our file even though they confirmed receipt of our payment. We still receive mail that our house is being reclaimed. This is not on PRMI, but the fact that this issue they created is still ongoing has caused immense stress for my wife and I over the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on 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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
FCRA 605B requires us, I think, to delete any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, including inaccurate amounts and dates.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CHARLES SCHWAB CORPORATION, THE
State: MO

Complaint narrative:
On or around XX/XX/XXXX, I carefully reviewed my XXXX Report and disputed inaccurate information, specifically regarding a XXXX XXXX Bank account that was closed on XX/XX/XXXX, and charged off for {$210.00}. 

On XX/XX/XXXX, XXXX sent me the results of their " reinvestigation. '' Upon reviewing these results, it is evident that a proper reinvestigation was not conducted in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Additionally, XXXX did not provide the documents I requested. Instead, they verified the information as accurate by sending me a driver 's license and what appears to be an outdated application from XXXX XXXX Bank dated XX/XX/XXXX, which I have no knowledge of, accompanied by an expired driver 's license. 

As a result of this ongoing issue, I was informed by a Charles Schwab representative that my application to open a brokerage/checking account with Charles Schwab was denied due to the negative information being reported on my XXXX report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The FCRA is very clear on what can and can not be reported on my credit report. Inaccurate information is not being properly investigated and deleted 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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to follow up on my previous dispute letters, which were submitted on XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX, you are required to investigate and respond to disputes regarding inaccurate information in my credit report within XXXX  days. 

As of today, I have not received a response to my disputes. I kindly request that you address these inaccuracies immediately and provide me with the results of your investigation. If the disputed information can not be verified, please ensure that it is promptly removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
The loan for NEWREZ-Shellpoint is not my loan, however it is mom loan who died in XXXX. I had no knowledge of this loan until years after her death. A little background about me I have not lived in Alabama where the mobile home is located since XX/XX/XXXX ( mobile home was purchased after I left home for the XXXX ). The credit report states that this mobile home was purchase in XXXX, I was XXXX XXXX XXXX with no desire to purchase anything but a car. I am retired XXXX XXXX  XXXX, who currently still works for the XXXX as a XXXX XXXX XXXX  who has never had any plans of moving back home. The loan in question is for a mobile home that was repossessed between XXXX and XX/XX/XXXX. I have called NEWREZ-Shellpoint at XXXX 10 to 20 times a month to resolve this issue but when I have spoken to someone on the phone, they state they have no record of me having an account with their company. I give them my SSN and account number on the credit report and still they say no record found. I have called the whole month of XX/XX/XXXX and have not spoken to anyone yet. I have disputed this issue with the credit bureaus and each time NEWREZ-Shellpoint validates the information on the report. I have never received any mail regarding this property. I am in the process of hiring a lawyer to help me resolve this issue. I just would like to speak to someone so I can have this deleted from my credit report because this is causing problems professionally and personally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I purchased a XXXX XXXX XXXX through a local XXXX in XXXX of XXXX. We financed initially with Bank of the West ( BNP ) and everything was smooth. I would send in extra payments for principal to pay off the loan earlier than the term. BMO bought out Bank of the West last year and even though they sent a letter stating that nothing will change with my current loan, it most definitely did. I wanted to keep sending in extra payments but that process was quite difficult. The first check I sent in even though nothing was due was put 100 % towards interest. I even marked on the stub principal only, hand wrote principal only and wrote principal only on the check and they still took it upon themselves to put it towards interest only. I then called and was on the phone for at least 1 hour and eventually they refunded the interest only payment and put it towards principal. Well, the next time I sent another check in for principal they put it towards interest only. At this point, I called again and they refused to refund the interest only payment. Their explanation was that because I was ahead of my payments they needed to collect interest. This did not make any sense to me. So at this point since I did not have payments due for several months, I just waited until a payment was due to make a payment. However, I received an invoice which stated no balance due in XX/XX/XXXX. Two weeks later a payment was posted on my bank account from BMO. I checked my BMO app and it had posted to interest only. I tried to message them but did not get an explanation. The next month another payment went through and it was towards interest only yet again. At this point I was extremely frustrated. I sent another message for an explanation and 2 weeks later finally got a response which did not address anything that I had asked for. I decided at this point to refinance with my local bank, even though at a higher rate, just so I don't keep getting scammed by BMO. I don't know how a bank like this can survive. Their customer service is terrible and I feel like they stole from me. I don't expect anything will be done, but I wanted to let a government agency know this is how this bank operates. Thank you for your time.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It has always been my practice to ensure timely payments on this account, preventing them from becoming overdue. Yet, I'm uncertain about the cause of reports suggesting late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, corrections should be made.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
I deposited a check through the atm and received a message that the funds may not be available until the next business day. 

I checked my account in the XXXX on Wednesday morning and it said the check has cleared was reflecting on my ledger balance but not my available balance. When I would look at the actual check it said clearedwas no longer pending and had no information about a hold. 

I assumed it would change my available balance so I left for XXXX ID  to be with my husband in the hospital. 

I called the back at XXXX XXXX and was then informed they were holding a portion of the check. I asked why I was not notified and they told me they didnt have to notify me any more than the atm receipt. 

They informed me they were holding the check until the XXXX. I asked If they are holding the check why it doesnt say pending. The woman kept laughing at me and being snarky when I would bring up laws. She then mocked me and said those who have actually studied the laws I do not appreciate being mocked and put down she assumed I was uneducated.

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 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
A collection company XXXX XXXX XXXX XXXX XXXX, is currently sending me collection for {$490.00}. They sent me records indicating that a person called XXXX XXXX ( my name ) with address XXXX XXXX XXXX, XXXX XXXX, MI XXXX ( not my address ) owed this amount and they cite a charge-off date of XX/XX/XXXX. The original creditor is Comenity Capital Bank XXXX account number XXXX. This is the latest incident on a serious of issues that began back in XXXX when a data breach at the University I work for happened. I told the collection office about this and they asked me to send a police report, an affidavid, which I did. This was of no use. They still are trying to collect the money. The police office in my university is aware of this as it is the victims services at the university who are trying to help me. The police XXXX asked me to file this report with you. Just this morning ( XXXX ) the XXXX at the victims office told me that she had received a word from the police XXXX telling her that I had to file a complaint with police in the city I live. Which I will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: AZ

Complaint narrative:
This is the third time I have received a different collection company appear on my three credit reports stating I owe a debt of {$160.00} ( Always this same amount ) I have contacted the collection company and it get deleted as they can not verify the account but a few months later a NEW or Different collection company appears on my three credit reports stating Account Closed/ Delinquent in the magic amount of {$160.00}. I have contacted the company US BANK CACS CC as it states the account closed on XX/XX/year> which is not true, they say this so they can keep the account active, I have been asking for Verification of the debt : Date, how old is account, amount and for what services or product and I do not receive a response. I am now in the middle of purchasing a home and this {$160.00} delinquent account is really effecting my credit score.

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 2024-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/2024 I received a credit alert from XXXX saying that I owed a debt to Credence over an XXXX XXXX XXXX debt for {$150.00}. I never received a letter stating that I owed money & theres no wet signature contract verifying that the debt is in fact mines. I need this debt removed from my credit report since I never received anything in the mail on it & because theyre unable to provide a signed contract to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief