vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: WA

Complaint narrative:
My home loan with XXXX Mortgage in XXXX state was sold to Selene Finance late in XX/XX/2022. My home loan with XXXX Mortgage ( loan # : XXXX ) did NOT have an escrow account for insurance and property taxes and is clearly indicated as such in the closing documents. After I received notification that Selene Finance bought my loan ( Selene loan # : XXXX ), I created an online account on their loan processing website. The online account showed my first payment for XX/XX/2022 as {$10000.00}, which was incorrect. My mortgage payment was only {$7300.00}. I deduced that Selene was adding an additional amount to my payment to cover taxes and insurance as-if my mortgage had an escrow account. At the end of XX/XX/2022, after a lot of effort, I was able to prove to Selene that my mortgage did not have an escrow account and had Selene remove the escrow account they incorrectly assigned to my mortgage, and had my monthly payment adjusted to the correct amount. Half of my XXXX XXXX property taxes ( {$15000.00} ) were due on XX/XX/2022, and I paid them in full on that date. Apparently, Selene Finance mistakenly also paid the same amount to XXXX XXXX towards my property tax balance in late XX/XX/2022, despite not having any escrow account associated with my mortgage or any accumulated funds to go towards these taxes. They have now just sent me an Annual Escrow Account Disclosure Statement dated XX/XX/2022 showing an escrow shortage of {$25000.00}, and adding {$4700.00} to my monthly payment, {$2500.00} to go into an escrow account that my loan closing documents clearly state does not exist on this mortgage, and {$2100.00} towards " Shortage Spread '' to make up for the taxes they mistakenly paid and that I have already paid. I have made XXXX attempts to get this straight through their customer service department with no success. Receiving this escrow statement now has caused me to file this complaint in hopes of getting some sort of resolution. It is not my fault that they erroneously paid my property tax from an escrow account that doesn't exist, and it is a breach of contract for them to force me into having an escrow account with a new inflated payment to cover their mistake. They need to retrieve their funds back from XXXX XXXX and remove this escrow account from my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
I am submitting this complaint as there is no third party involved, I am making this complaint to AARGON AGENCY INC on my own behalf. Because I believe this business is infringing on my right to privacy. The Privacy Act of 1974 is being pursued. 

This company exploited my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ). Also, this company is penalizing me, damaging my name, and undermining the public confidence by furnishing an account to the consumer reporting agencies for which they have no legal power or direct contract to try to collect on this supposed obligation. 18 USC 894 prohibits such conduct. " Collection of extensions of credit by extortionate means

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 2022-06-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good Afternoon, I am writing today with the concern that the credit bureaus are ignoring my letters.. I sent them letters on XX/XX/2022 and still have not heard back this is not right. I have been waiting almost two months now for a reply from them about these incorrect items on my report and they still have not got back to me. these items that they have reported on my report are inaccurate and unverifiable and i need those items investigated and removed because this is negatively affecting my life and it shouldn't have been there in the first place, please help me with this matter and 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 non-monetary relief
Consumer complaint received 2022-06-13 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: IL

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 : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account XXXX : XXXX You are violating my rights on reporting an inaccurate report. date opened, last reported, date last active, date of last payment. DELETE THIS IMMEDIATELY AS YOU FAILED TO PERFORM AN INVESTIGATION IN THIS ACCOUNT 2. Unverified/no data information XXXX XXXX XXXX XXXX Account XXXX : XXXX Inaccurate information failure to perform an investigation per fcra regulation 3. FDCPA 1692e misleading false reporting. how can you validate/verify information from the same source but have the last reported date and date last active different at two bureaus XXXX Account Number : XXXX You are violating my rights on reporting an inaccurate report for 3 BUREAUS DATE OPENED, LAST REPORTED DATE, DATE LAST ACTIVE DATE OF LAST PAYMENT WAS REPORTING AN INACCURATE REPORT. UDATE THIS TO PAID AS AGREED IMMEDIATELY 4. Unverified/no data information XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation

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 2022-06-13 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: CARD Corporation
State: IL

Complaint narrative:
On XXXX XXXX my card.com premium bank account card was charged {$38.00} I had already canceled my XXXXXXXX XXXX policy and called them XXXX XXXX issues the payment back to my card but card.com premium bank account card stopped the payment and told me I have to file a dispute for what reason I really dont know I gave them the Transaction # but they refused to look it up saying I just need to file a complaint and wait the XXXX days I already been waiting since XXXX its XXXX so they telling me to wait until XXXX for them to try to issue a refund of my own money I have been calling and they telling me hold on and has hung up on me over 30 times I just want my money back from this card company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: CA

Complaint narrative:
Received a collection letter in the mail on XX/XX/2022 saying I owed {$2400.00} on an XXXX XXXX account for XXXX furniture with XXXX  bank. I did not open this account and was not aware of the account being opened. I contacted the fraud department at XXXX bank to find out what was going on. I reported it with the bank and took the initial steps to help me with this problem. I started a fraud file number with them and the number is- XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX, I was notified by text of a declined charge at XXXX XXXX of {$2400.00}. He was asked if this was him. At XXXX I responded " No. '' No response was given from Chase so on XX/XX/XXXX at XXXX, I responded " NO '' again and this time I was notified that my card would be cancelled and a new card would be issued. An image of these text messages have been shared with the Chase Fraud team. I did not purchase this item and it's clearly a fraudulent charge.

Having been a Chase member for over 10 years, I have spent hours on the phone with the Fraud team and have been told that they will not reverse this charge. I received an email from XXXX XXXX stating that this purchase occurred in XXXX, CA and was picked up in person. XXXX XXXX has not produced any video evidence or my signature picking up this product. In fact, I have never been to this store. 

I have had a good experience with Chase bank over the years and am high net worth individual as evidenced by my bank accounts and the 3 credit cards I currently hold with chase. 

As mentioned, chase has not provided an proof ( signatures, video, or any evidence at all ) that I actually made this purchase. They have gone to their highest level appeal and have declared this is a legitimate charge and I need to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened a Citi checking account with {$15000.00}, within that time, the bank sent me a promotional offer with a higher yield than my bank was offered ; I then opened a savings account for {$21000.00} which I funded as a transfer from my bank to Citibank. In XXXX, I transferred another {$5000.00} to the savings account using a transfer again and another {$15000.00} to my checking account. When I couldnt access my accounts, I contacted the bank in XXXX and XX/XX/XXXX, each time I was given the runaround and was transferred to the fraud department which informed me that the bank had closed my accounts and that I will get a refund through the mail in about 30 days. When I asked why my account was closed and why there was no correspondence from the bank, the representative told me he did not know why and hung up on me. 
Not only did Citibank held my money without explanation, the removed all access online and though their app. I am left without my funds and with no information regarding my accounts. 
On XX/XX/XXXX, I received a check from Citibank on this amount of {$1400.00} with an explanation that read, this is the remaining amount of your account XXXX in reference to my savings account which the balance exceeded over {$60000.00}. I have never removed a cent from both accounts since I opened them. I will call the local news channels in my area to help me if I do not hear from Citibank by XX/XX/XXXX because I am out of money and dont know what else to do.

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 2022-06-13 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I submitted application through XXXX XXXX which advised that inquiry would be a soft inquiry ; however after reviewing my XXXX credit report this inquiry is appearing as a hard inquiry that has resulted in a decrease in credit score that I did not authorize on XX/XX/2022.

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 2022-06-13 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-06-13 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX- XXXX XXXX - XXXX XXXX has violated my rights. 

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

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

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 2022-06-13 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX- XXXX XXXX - XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
I am submitting this complaint as there is no third party involved, I am making this complaint to CKS PRIME INVESTMENT, L on my own behalf. Because I believe this business is infringing on my right to privacy. The Privacy Act of XXXX  is being pursued. 

This company exploited my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ). Also, this company is penalizing me, damaging my name, and undermining the public confidence by furnishing an account to the consumer reporting agencies for which they have no legal power or direct contract to try to collect on this supposed obligation. 18 USC 894 prohibits such conduct. " Collection of extensions of credit by extortionate means

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened an account with Synchrony Bank for a retail credit card with XXXX XXXX I was on XXXX military XXXX at the time. Since then other credit card companies have return and amended interested and refunded fees I had during this time to be compliant with SCRA Servicemembers civil relief act. However Synchrony bank is noncomplicit and refunds to adjust for interest rates or payments for the months and times I was on XXXX military 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 2022-06-13 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: NC

Complaint narrative:
In accordance with the FCRA, the following accounts have violated my rights. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 also states a conumer reporting agency SHALL NOT furnish an account without my WRITTEN instructions. 15 USC 1666 B states addedly, that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY reason.

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 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Went to payoff my Auto loan. Upon making payment I was prompted to take an free Spirit Credit card. Was unable to move to pay-off screen via the mobile app. Finally was able to make payment and received a congratulations splash stating i was approved for a new credit card. Card welcome package sent to my home and account is now noted on BOA 's system. Hav not activated nor did I apply. 

Unable to reach representative vis phone the general curse service number. When calling number on welcome package, i receive a prompt to activate and unable to reach a representative by depressing XXXX or verbally. 

I do not wan the card nor did I apply. I wan to ensure there is no credit inquiry and want the account closed w/ no indication one was open on my credit reports. 

This is a deceptive practice. Interesting that I was never offered a card during any of my auto payments over the last 48 months ... but given one w/out consen during my final payment w/ this company

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 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
A letter was sent to Experian asking that the accounts be removed. They removed XXXX accounts and none of the others. 
There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am demanding the reporting of this information be blocked and deleted. My demand to block is not in error nor is my demand to block the identified transactions. The identified transactions by me as the consumer. 
Experian is required to do what I am demanding and block each account and or transactions from being reported to my consumer report within 4 days from the date of this complaint.

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 2022-06-13 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: Carter-Young, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer and Im making this follow up complaint against XXXX XXXX in refrence to cfpb complaint # XXXX XXXX XXXX continues to violate my cease and desist that was mailed to them. XXXX XXXX is suppose to cease and communication, indirectly and directly through all mediums. 

If a debt collector agreed to cease communication, they also agreed to cease credit reporting. Communication under the FDCPA means the conveying of information regarding a debt directly or INDIRECTLY to ANY PERSON through ANY MEDIUM. My credit report is a medium. 

XXXX XXXX XXXX XXXX XXXX XXXX stated As requested, we will honor the consumer 's request to cease communication. This communication is from a debt collector. 

But XXXX XXXX is still furnishing this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian FICO score from Experian.com is showing me having multiple delinquent payments during the time I filed bankruptcy. I filed on XXXX XXXX 2022, and it was discharged XXXX XXXX, 2022, and although the actual credit report from the card/loan servicer show on time, Experian put an N for that month showing I have multiple negative marks on my credit suggesting I have multiple 30/60 day late payments. They need to report correctly. The credit cards/loans show what it is, how can they reflect any different?

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