vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: NC

Complaint narrative:
I applied for and was approved for the XXXX program. Once I finished everything required of me, they just disappeared and I couldn't get in touch with anyone. They were supposed to help pay my arrears. I lost my job and couldn't find another one because of the pandemic. I filed for bankruptcy and once I had a job, I made payments until I lost that job because I worked for the bank that the FDIC shut down ( XXXX XXXXXXXX XXXX  ). I haven't found a job since then. I just need help. Selene keeps charging me fees that aren't necessary, a {$220.00} yard service fee monthly and a {$20.00} home appraisal fee each month. It's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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:
I submitted a Method of Verification request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ) via CFPB # XXXX on XX/XX/XXXX and as of today have not received any information accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ).

I should have received the results I requested within 15 Days from Equifax and it could mean I collect {$1000.00} due to the violation because It has exceeded the 15 Days, I submitted the XXXX request on XX/XX/XXXX and todays date is XX/XX/XXXX and I have yet to receive any information from Equifax that even remotely resembles what is required in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) /FCRA 611 ( a ) ( 7 ). 

I disputed initially via CFPB # XXXX on XX/XX/XXXX and Equifax sent me the results via CFPB on XX/XX/XXXX falsely stating the Trades listed below did not appear on my credit report but I consider Equifax is acting in BAD FAITH because I am a paid monthly subscriber to Equifax monitoring and as of today the accounts Equifax states do not appear on my credit report in actuality unforetunately are still reporting on my Equifax consumer report. 

The basis of my dispute was that my Privacy rights were being violated in accordance with FCRA 602 which states I have a right to privacy and FCRA 604 ( A ) which states a credit reporting agency can not furnish an account without my written instructions. 

Additionally, Equifax sent me another letter requesting my identification that I keep submitting over and over again and have uploaded my identification again in this complaint. 

I want the accounts removed or I may seek legal representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I the consumer was not given a explanation how to exercise on how I can exercise a nondisclosure option of nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XXXX they were saying that a bad check was past. They never disclosed an amount. They never told me where the transaction happened until XXXX. I filed disputes with Bank of America twice, one in XXXX and one in XXXX of XXXX and that is when they told me that the bad check was for {$1200.00} and it was cashed in XXXX, Illinois. After they disclose that information they closed the account and told me that I had to pay for the bad check. Basically hindering from doing any other type of banking activity. Whenever I call to dispute the check they give me the runaround and refuse to give me any documentation that I am the one who cashed the check.

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 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi, This is XXXX XXXX card act # - XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX and have stellar credit, scoring in the XXXX range ( with the XXXX major bureaus ) This XXXX I applied for two chase cards and got instantly approved. I used the cards throughout the XXXX paid my bills on time, and early.However I was shocked when approximately 4 months after opening my account Chase bank notified me that my accounts were being closed, the reason they provided was " due to previous accounts with chase ''. 

About 8 years ago I had XXXX credit cards from chase which were all one day terminated due to " system generated closure '' at the time I attempted to get any more information I can from chase but no matter who I spoke to and sent letters to, no information was made available to me, other than " the account were closed due to a system generated closure '' I was very upset, as I had relationships with other banks, and hadn't had any issues with any other banks, and here I was not being given any tangible info, or any recourse to have it reviewed. 

So now when I got closed from chase a second time, for the same reason as the first I was really preturbed, as I have around XXXX credit card accounts with a few different banks, none of my accounts were ever paid late in my lifetime, I have a stellar record and rating, and I'm just being stonewalled by everyone at Chase Bank. I even went for review at chase 's executive branch and they claimed as well, that they have no information other than I was closed due to pervious account closure, and when they attempt to find the reason for the previous account 's closure they come up empty. 
I'm being persecuted and taken advantage of here, this is aggravating, and humiliating, and I demand to be reinstated and have my accounts be returned to their good standing, unless there's a valid reason for me not being able to have a credit account with Chase bank, of which I deserve to know, as I believe I'm being racially targeted here. I only wish a good resolution, I trust you will help me achieve one. 
Looking forward to an expeditious resolution, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: TX

Complaint narrative:
My private information is being reported to and by the 'big XXXX ' credit reporting agencies, XXXX XXXX Equifax XXXX and XXXX, without a permissible purpose, without my consent and it infringes on my right to privacy. The specific accounts in question at this moment are the following : ( XXXX XXXX XXXX XXXX / account # XXXX ) & ( XXXX XXXX XXXX XXXX XXXX / account # XXXX ) I was never provided a 'Reasonable Opt-Out ' pursuant to 16 CFR 313.7 ( a ) ( 2 ) ( ii ). As a consumer of a financial institution, I have a right to privacy, and a continuing right to Opt-Out of the sharing, reporting and disclosure of my personal, private information and creditworthiness. I've previously mailed and faxed my own 'Opt-Out ' Notice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also gave notice to XXXX XXXX XXXX XXXX XXXX as well via CFPB complaint numbers XXXX & XXXX, also reference 16 CFR 313.10. Take this complaint as my last exhaustive attempt to resolve this matter non-judicially. These accounts are being furnished and reported without my consent, infringing on my right to privacy, without a permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ), violative of the FCRA, the Privacy Act, my constitutional rights to privacy and it's a defamation of my character, reputation and creditworthiness, as well as inaccurate. YOUR COMPANY HAS BEEN FORMALLY NOTIFIED OF THE ABOVE AND REQUESTED TO REMOVE THE ABOVE DEFAMATORY ACCOUNTS.

Please take note of the following referenced laws your company is responsible for following : 15 USC 1681b 15 USC 6802 15 USC 6805 15 USC 6821 15 USC 6823 15 USC 6827 16 CFR 313.7 16 CFR 313.10

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CO

Complaint narrative:
I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Crypto.com about the lack of care and safety measures on my account, which resulted in substantial losses. 

Please see the attached PDF file containing all relevant documents and evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc
State: NM

Complaint narrative:
Harley Davidson Financial Receive calls 3 or 4 x daily 7 days a week, sometimes more. I block the calls but still receive calls. I am behind but this is no reason to call several times per day. I am a XXXX XXXX and it is dangerous to use the phone while XXXX even with a headset. 
I have all the call records if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I noticed on my credit report that my Lowe 's credit card was closed. I called Lowe 's customer service to inquire on why was the account closed and who closed the account? I was informed by the customer service agent that the account was closed on XX/XX/XXXX, due to an increased credit history. I didn't understand why the account was closed due to a {$0.00} balance with Lowe 's and never being late with any Lowe 's credit card payment. All balances were paid within 30 days.The closing of the account was reported to two credit reporting agencies before I was notified. There is no mention in the Lowe 's Consumers Credit Financing information enclosed with my credit card, or billing statements that I would be judged during the holiday season on other high credit card balances. The closing of the Lowe 's credit card decreased my credit score. I was informed by the agent that I will be receiving a letter in the mail.

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 2023-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MA

Complaint narrative:
My student loans date back to before 1989. I deferred payment when I had XXXX children and couldnt make enough money to live and pay student loans. I am XXXX XXXX XXXX and have been repaying the loans for almost 35 years. I have paid back MUCH more than I borrowed and imagine at this point, I have been paying more than $ XXXX for years and have repaid at least twice, maybe three times the amount I borrowed. The service provider has indicated that I STILL owe more than {$22000.00}. The interest I have paid on these loans has been greater than the amount I borrowed and this is grossly unfair. I have repaid the amount I borrowed decades ago. Whatever the amount left, it should be forgiven and determined to be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc.
State: GA

Complaint narrative:
I received a debit/credit card refund from XXXX on a Nothlane Technologies LLC Master Card. Following the specific directions provided in order to activate the card, access information and begin using the card. The card account number from the front of the card is not recognized online or by phone. Without the system recognizing the account, I can't contact anyone. Online gives me an error message and the phone hangs up on me after telling me the account isn't recognized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2023 I recieved a call from Citi XXXX XXXX regarding a car loan debt ( that's XXXX XXXX XXXX ) and stated that legal action was being filed unless I settled the debt. I spoke with XXXX who went over payment options. Stated that payment had to be made only through money order ( was a red flag now looking in hindsight ) and that if payment was not recieved over night legal action woudd take place.

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 2023-12-31 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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me.This has been hurting me as I am in the process of buying a home for my family. please remove the fraudulent account from credit report as soon as possible.

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 2023-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C.Tech Collections, Inc.
State: NY

Complaint narrative:
I have prevuosly submitted a cease and desist on XX/XX/XXXX with a statement to this company, along with information indicating that this bill was settled with the Creditor on that same day. 

I was sent another letter dated XX/XX/2023 trying to collect this amount. This is 2 violations of the FDCPA for failing to cease communications and misrepresentation of the status of the debt. This was an obvious attempt to collect money not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: NJ

Complaint narrative:
Dear Sir or Madam : My former employer, XXXX XXXX XXXX XXXX, has improperly submitted a disputed contract claim to XXXX XXXX XXXX as a collections matter, despite that the contract upon which it seeks to rely in support of its claim is invalid and has been replaced in its entirety by a contract that does not contain any repayment requirements. This is an employment dispute and not a consumer financing or credit matter. I have never gotten a loan from XXXX XXXX  and dont intent to. 

The matter is currently pending before the Court under the aforementioned docket number, and the undersigned 's employment attorney is in the process of filing a motion to dismiss the Complaint for failure to state a claim upon which relief can be granted. The biggest abuse of the Fair Credit Reporting Act I feel it has violated is the fact that they have sold the account to a collection agency and are also suing me for the same amount and case. Again, the only reason I left XXXX XXXX  before my employment contract was up is becuase they replaced my contract in XXXX which canceled out all other employment contracts previously executed. 

This matter does not involve an installment or revolving account, nor is it properly a collection account as there has been no determination that XXXX XXXX has any obligation to repay her former employer for a sign-on bonus. 

To the contrary, the most recent employment agreement between XXXX XXXX XXXX XXXX and XXXX XXXX makes clear that it replaces all prior agreements between the parties concerning XXXX XXXX employment, and it does not contain any requirement that XXXX XXXX repay any of the compensation paid to her in connection with her employment. 
Based on the foregoing, the " collection account '' in the amount of {$110000.00}, reported by XXXX XXXX XXXX, is inaccurate, unverifiable, and improper and does not reflect a debt owed by XXXX XXXX. As such, please promptly delete this information from XXXX XXXX 's consumer file as required by the provisions of 15 U.S.C. 1681i ( a ) ( 5 ) ( i ).

If you have any questions or require further information, please do not hesitate to contact me.

Thank you for your attention to this matter.

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 2023-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am a XXXX XXXX. I have never made even a late payment to my mortgage. Northstar Mortgage d/b/a Mr. Cooper had a some sort of computer attack or breakdown. After the attack they had issues with who paid and who did not pay. I have sent them multiple copies of my bank statements to prove that my payment was submitted as I have submitted for years. They are simply stating that I did not pay.

Northstar Mortgage either lost, stole or used my payment to pay someone else account.

They have sent multiple harassing letters and phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a letter from MOHELA stating that my monthly payment amount for SAVE is scheduled to expire after my XX/XX/XXXX, payment date. Today, on their website, my IDR renewal date is listed as XX/XX/XXXX, which is before my XX/XX/XXXX payment will be made. I do not understand the contradictory information. I would like an explanation from MOHELA and them to correct any records, their website, and correspondence to reflect the correct IDR expiration date. Additionally, given the severe issues with customer service, I would like to know by what date I will need to apply for my IDR to guarantee no lapse in my reduced SAVE payment. The original letter as well as what I currently see on the website are both attached as documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Please refer to complaint XXXX As noted on complaint I state that the company has been sending erroneous information regarding a settlement made in court regarding an eviction proceeding. I place a complaint with the CFPB and the company asked me to verify my identity in order to move on my complaint. I was asked to upload my state ID of which I complied then the company responds to the CFPB that I did not in order to get the case closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OK

Complaint narrative:
I have been trying to pay off my student loans, but my loan servicer, EdFinancial Services, has reversed almost all of my payments without notifying me, to the point that I have missed a minimum payment and I am receiving interest on loans that should have already been paid off multiple times over. 

From XX/XX/XXXX to XX/XX/XXXX, and during the grace period of my loans, I have paid {$40000.00} through seven payments of varying amounts in an attempt to pay the original loan amount of {$18000.00} or minimum payments to prevent harm to my XXXX XXXX or accrual of interest. 

From XX/XX/XXXX to XX/XX/XXXX, I have attempted to resolve this problem through seven phone calls with EdFinancial Services ( XXXX ). Their representatives have been unable to resolve this issue but have confirmed that there are notes on my profile regarding this issue from previous calls and that other individuals are having similar issues with payment reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: TX

Complaint narrative:
My private information is being reported to and by the 'big 3 ' credit reporting agencies, Transunion XXXX XXXX XXXX and XXXX, without a permissible purpose, without my consent and it infringes on my right to privacy. The specific accounts in question at this moment are the following : ( XXXX XXXX XXXX XXXX / account # XXXX ) & ( XXXX XXXX XXXX XXXX XXXX / account # XXXX ) I was never provided a 'Reasonable Opt-Out ' pursuant to 16 CFR 313.7 ( a ) ( 2 ) ( ii ). As a consumer of a financial institution, I have a right to privacy, and a continuing right to Opt-Out of the sharing, reporting and disclosure of my personal, private information and creditworthiness. I've previously mailed and faxed my own 'Opt-Out ' Notice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also gave notice to XXXX XXXX XXXX XXXX XXXX as well via CFPB complaint numbers XXXX & XXXX, also reference 16 CFR 313.10. Take this complaint as my last exhaustive attempt to resolve this matter non-judicially. These accounts are being furnished and reported without my consent, infringing on my right to privacy, without a permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ), violative of the FCRA, the Privacy Act, my constitutional rights to privacy and it's a defamation of my character, reputation and creditworthiness, as well as inaccurate. YOUR COMPANY HAS BEEN FORMALLY NOTIFIED OF THE ABOVE AND REQUESTED TO REMOVE THE ABOVE DEFAMATORY ACCOUNTS.

Please take note of the following referenced laws your company is responsible for following : 15 USC 1681b 15 USC 6802 15 USC 6805 15 USC 6821 15 USC 6823 15 USC 6827 16 CFR 313.7 16 CFR 313.10

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