vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: IL

Complaint narrative:
Back in XXXX, I filed for a modification in which selene finance gave me the run around pertaining to documents and their dates. Then once I finally figured out what they were up to I decided to send it all in at one time then I was denied, but by that point I was XXXX in debt and they pushed me into foreclosure. That has since been resolved. 
In XXXX of XXXX they received an extra payment and I don't know if they kept it or applied it to my loan. 
In XXXX of XXXX they stated I had an escrow shortage for a little over 200 dollars and that was about XXXX bucks to be added to my mortgage for 1 year, but my mortgage was higher than that, when I did the math there was an extra XXXX dollars unaccounted for. When I asked why I was told it was part of the escrow shortage. If that's the case, why wasn't it included in that XXXX total that was divided by XXXX mo? Lies. Next around XXXX / XX/XX/XXXX I received another letter stating that I had over XXXX in cooperate fees and when I called in they said it's because I called in and had them look at my account for a modification, which I did not! So I threatened them with a lawyer. Mysteriously XXXX later I received another letter with Selene finances apology attached stating " there's an error '' and they'll be removing that XXXX off '', which they did. Now we come to XX/XX/XXXX and I received XXXX letters. The XXXX was to notify that I have yet another escrow shortage. That XXXX letter had no total. The XXXX letter came XXXX days later and now they're stating I'm over XXXX short! How? I have not missed any payments, my interest is a fixed 5 % for XXXX yrs, my homeowners insurance decreased and also I noticed on that letter that XXXX tax installment Selene has it wrong. They have it listed for over XXXX when in fact I have the actual bill showing a little over 1200. They are padding numbers hoping people won't catch it! Selene finance are a bunch of crooks! I'm XXXX on a fixed income, I can not afford to be throwing them money for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX 3 INFORMATIVE XXXX XXXX XXXX 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 2023-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My account was closed, however they didnt inform me why? 
When I tried to ask ( Bank of America ) said its a business decision also they have frozen my funds without saying the reason and when I did the previous complaint they answered after it by XXXX weeks saying there was a claim against from my Mothers ex XXXX XXXXXXXX XXXX. 
I have provided to them all documents and attached the documents here also to proof that these funds are mine and asked them about an official statement from them in order to sue XXXX XXXX XXXX XXXX and my mothers ex. 
Im struggling and suffering from these frozen funds. Please help me to return these funds

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 2023-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
Loan has been fully discharged by the US Department of Education XX/XX/2023 yet is still carried as Open with Delinquencies by XXXX and XXXX credit bureaus. 
Information cleared on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: FL

Complaint narrative:
As an original holder in due course I exercise my rights to initiate the consumer credit transaction with PNC BANK. I extended my credit to PNC BANK on XXXX. They ran my credit that I extended to them using my information with zero benefits to my self XXXX XXXX. This is fraud seeing how they benefited from my credit and I was denied a credit card. 
12 CFR part 1002 Equal credit opportunity Act says I can not be discriminated against.

I have been discriminated against and plan to uphold my rights till the extended line of credit is lawful and approved. Not only have I been discriminated against Im dealing with hardship so to this denial.

According to the federal law 15 USC 1602 and 1602 f the credit comes from myself XXXX XXXX. 
I demand that PNC BANK reconsider this action to comply with federal law so that my credit application be approve or I will have no other choice by to take this further action.

Failure to address this dispute properly may lead to further legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX, patients of {$490.00} was late 30 days during the XXXX XXXX  pandemic time, I was ill with XXXX was staying home till well, then back to work, by the time I received my check to pay XXXX XXXX XXXX payment, it was 30 days late so the company put it in delinquency with the credit bureau, Ive took care of it as soon as I received my money and now XX/XX/XXXX, my XXXX XXXX XXXX is pay in full so Im asking for the delinquencies to be disputed or removed. As I check back on the statement it show that Ive made XXXX payments in XXXX of XXXX, {$520.00} and XXXX both was credited on XX/XX/XXXX which only XXXX payment of XXXX is supposed to be made, so I believe its an error as well and its not 30 days pass due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act the following XXXX  Accounts has violated my rights : 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 ). 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 States a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-11-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was, in fact, a victim of this data breach, and Equifax has done nothing. Please help me delete these illegal accounts from* my credit reports. 

Certified dispute letters were sent on XX/XX/2021 to remove inaccurate information. 

- XXXX XXXX charges {$10000.00} for unauthorized purchases. 
- XXXX XXXX XXXX charges {$620.00} for an unauthorized account. 
- XXXX XXXXXXXX XXXX charges {$3900.00} for an unauthorized account. 
- XXXX XXXX XXXX XXXX charges {$2000.00} for an unauthorized account. 
- XXXXXXXX XXXX XXXX charges {$1000.00} for unauthorized purchases. 
- XXXX XXXX charges {$17000.00} for unauthorized purchases. 
- Remove names and addresses that are not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted dispute letters on XX/XX/, contesting the validity of certain accounts. Despite their response claiming verification and the completion of the investigation, I requested verifiable proof. Since XXXX, I have consistently sought evidence without receiving any. These accounts are not mine, and I urge their immediate removal. I have attached my identity theft report to support 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 2023-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Cawley & Bergmann, LLP
State: FL

Complaint narrative:
The company called my work number on XX/XX/30, then my personal phone. I asked them to remove my work number and was assured it was done. Today I received another call on my work line and then my personal phone. I called back and asked again to remove my work number. The man refused to acknowledge that he would remove my work number and insisted on discussing a debt he said I owed. I explained he could send me something in writing to review and he continued to push to discuss the matter immediately. I asked again to have my work number removed and advised I'm not discussing the matter over the phone any further since I was unaware of what he was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX received email stating that I must pay XXXX installments of {$20.00} by XXXX of 2024. I paid {$100.00} and it posted on XX/XX/XXXX. At this time the card was already closed. The payment plan email stated the card would be blocked, reported as a modified payment no interest. After posting the {$100.00} payment and then today paying the balance off in full, well before the XXXX payments of {$20.00} due by XX/XX/2024 were due, the company closed my credit card. 

The rep on the phone told me she apologized no one told me it would be closed and didn't care that the very detailed email very clearly stated it would not be closed only blocked from making purchases until I made those XXXX {$20.00} payments by XX/XX/XXXX. XXXX in mind I fulfilled this far in advance and they closed it apparently the same day I went on the payment plan. She just apologized nobody told me this and did not care that the payment plan email was fraudulent and failed to note that anywhere. I demanded that she Rectify this on my credit report and was refused with the excuse that she apologized no one told me this and did not care that the payment plan email did not have this information in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : Equifax - 3 CERTIFIED - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
At approximately XXXX CST, I, XXXX XXXX XXXX XXXX XXXX, received a message from XXXX stating that my account was locked and that I was unusual. When, I, XXXX XXXX XXXX, XXXX, called XXXX, XXXX decided to jeer at me, XXXX XXXX XXXX, XXXX, making XXXX noises on the phone at me, XXXX XXXX XXXX, XXXX, verbally and physically XXXX XXXX. 

This initial incident happened on XXXX. Today XXXX I called Chase Private Client Checking to file a formal complaint. The XXXX XXXX and pulled the fire alarm. The XXXX then hung up the phone on me, XXXX XXXX XXXX, XXXX! 

I feel XXXX as I have the right to keep my account along with the right to be free from a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America closed my account due to fraudulent activity, but before my account officially closed, my Social Security Disability check was direct deposited into it, I was told I had to report fraud on that account for which I did, now they are refusing to refund my Social Security income, first I was told I had to go into one of the banking center for my refund for which I did on XX/XX/XXXX, of this year, the representative in the banking center told me the bank usually send a check there was no reason for me to come in the center, while in her office she called the office they told her I should have my refund before XX/XX/XXXX and she gave me a phone number to call to check on it which is ( XXXX ) XXXX, I call on XX/XX/XXXX for a status and got the runaround, was told I had to go back into a banking center, BTW XXXX XXXX is XXXX a national holiday

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've had XXXX hard inquiries that were not authorized by me on my Trans Union credit score from XXXX ( XXXXXXXX XXXX ) on the following dates : XX/XX/2023, XX/XX/2023, XX/XX/2023. 

I have never had any type of credit card or account through XXXXXXXX XXXX, nor have I applied for any new credit cards through XXXX. These inquiries were never authorized by me.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has started to report incorrect and inaccurate account detatils on my consumer credit report and is making false claims that I owe them when infact THEY OWE ME. They were paid in full and they were also paid overages that was supposed to be returned to me but for some reason was never given back to me. XXXX XXXX has also failed to validate this debt when documents were sent to their legal department to rebut this payment and entire transaction. they never responded in the time frame given to them or at all. They are currently in violation of the TRUTH IN LENDING ACT AND THE XXXX principles. They failed to provide full disclosure and the dealer aslo fail to provide the forms for me to rescind my signature at the time of the transaction. XXXX  XXXX bought my contract from the dealership and securitized the VIN # and this is currently being traded on the stock market. I have the XXXX thats attached to the VIN # and they have not made one single divident payment to me in regards to securitizing my retail installment application. I am demanding my divident checks! I owe XXXX XXXX XXXX XXXX nothing, they owe me and I am going to file the taxes on this XXXX. I will be puttingin a XXXX report for a full forensic audit on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has started to report incorrect and inaccurate account detatils on my consumer credit report and is making false claims that I owe them when infact THEY OWE ME. They were paid in full and they were also paid overages that was supposed to be returned to me but for some reason was never given back to me. XXXX XXXX has also failed to validate this debt when documents were sent to their legal department to rebut this payment and entire transaction. they never responded in the time frame given to them or at all. They are currently in violation of the TRUTH IN LENDING ACT AND THE XXXX  principles. They failed to provide full disclosure and the dealer aslo fail to provide the forms for me to rescind my signature at the time of the transaction. XXXX  XXXX bought my contract from the dealership and securitized the VIN # and this is currently being traded on the stock market. I have the XXXX thats attached to the VIN # and they have not made XXXX single divident payment to me in regards to securitizing my retail installment application. I am demanding my divident checks! I owe XXXX XXXX XXXX XXXX nothing, they owe me and I am going to file the taxes on this XXXX I will be puttingin a XXXX report for a full forensic audit on this account.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account.

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS CO CHILD SUP Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

9. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE RENTDEBT AUTOMATED COL Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My account was closed cause of fraud which somebody stole my card i could not open bsnk account nomore and trying to get it back for work. I didnt have no amount i think i know i lost my card snd somebody used it. I will pay anything to get it back i need a bank account

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