vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Dear Sir or Madam : The borrower, and complainant, received a Notice of Intent to Foreclose despite the fact that she has been paying the loan each month in full to the Original Mortgage Servicer, XXXX XXXX XXXX XXXX XXXX. Enclosed please find the cancelled checks. 
Upon information and belief, the mortgage account was transferred, without notice to the borrower, from XXXX XXXX XXXX XXXX to Selene Finance LP. Attached is proof of correspondence from the new servicer ( Selene Finance LP ) delivered to an incorrect address of the borrower. 

Moreover, Selene Finance LLP has failed to give written mortgage statements of each billing cycle showing detailed information on the current payment amount, payment history, missed or late payments, and for other information. The borrower continues to make payments to the original mortgage servicer due to the current servicers refusal to accept mortgage payments or to otherwise retrieve past funds sent to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian is reporting the following inquiries on my credit report which is a violation of my rights under FCRA -15 USC 1681b ( a ) ( 2 ). I did not give permission for XXXX to report this information nor provide my credit information to any of the following companies. When I contacted Experian to inform them of this violation I was again denied my right to have this information deleted and was told by representatives that I would have to have the companies mail in a letter to request deletion. The companies listed do not have the right to even access this information without MY CONSENT yet they are being given that right by Experian WITHOUT MY PERMISSION or a PERMISSIBLE PURPOSE XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nudge Funding, LLC
State: MI

Complaint narrative:
Box Home Loans A Division of XXXXXXXX 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 XXXXXXXX Are you having a 5 star experience? Let my manager know : XXXX Applied for mortgage and was not provided a denial letter or any concrete information on my denial. Was not provided any information or how to correct the problem. XXXX XXXX would not return any of my calls. The times we did speak, he spoke in a condescending way such a multiple time referring to the information as mines, instead of discussing the problem.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
AVANT/WEB BANK in conjunction with XXXX, XXXX and XXXX are violating my consumer rights and the FCRA Laws. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. a 5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s 2 A 1. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: NJ

Complaint narrative:
IN ACCORDANCEWITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY AND ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX Reporting information with actual knowledge of errors 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 INSTRUCTION 15 U.S.C 1681C ( A ) ( 5 ) - THIS SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THAN RECORDS OF COVICTIONSOF CRIMES WHICH ANTEDATE THE REPORT MORE THAN SEVEN YEARS 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY PLEASE REMOVE ALL PHONE NUMBERS AND ADDRESS FROM CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
Hi I closed my US bank checking account on XXXX XXXX. I was told a check would be mailed to me with the remaining balance in the account. I waited for almost a month and the check never arrived. So I contacted the bank early XXXX to inform them that the check went missing and the rep I spoke to requested a form to be mailed to me. I then need to fill out and notarize the form and then mail it back so they can issue a new check. I waited for another month and the form never arrived. We verified many times that the address I have on file is correct. So I contacted the bank again at least three times last and this week and even spoke to a supervisor trying to get this resolved asap. But everytime there was no resolution and when they told me they would call me back, never called. They could not find the same person I spoke to in their system so I had to keep repeating myself everytime I called. I have never received any status update from the bank whatsoever. It has been really frustrating to not be able to get my funds back since XXXX last year.

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 2023-01-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
***SEE ATTACHED PDF FOR FULL COMPLAINT*** ***DO NOT IGNORE OR MARK THIS COMPLAINT AS FRIVOLOUS*** CC : Georgia Attorney General, CC : Consumer Financial Protection Bureau , CC : Federal Trade Commission, XXXX XXXX XXXX XXXX XXXX. Experian, You have caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You have also caused me severe stress, which has caused me to go seek medical attention due to your inaccurate reporting & failure to properly verify. I have no other option but to seek legal remedy to help repair the damage you have done both mentally, physically, financially, and emotionally.

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 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
i hired a debt resolution firm to help me out with my credit and debt, when i hired htem they told me that i will be paying 40 % of the debt and small payments towards my debt, i figured it out when i went online to do some research on theyre review i figured that out that i am not the only one, alot of ppl got scammed by XXXX XXXX i calle Chase to do a dispute, i did a dispute for the XXXX case andi had a bunch of small disputes, they returned the money to me after few days they returned it to XXXX and the closed my case, all the disputes that i made that day around {$1300.00} was returned to the merchants and the case is closed so i dont have a chance to get my money back, it looks like somehow i have upset the representatives that i spoke to and that they did it this way on purpose so i cant get reimbursed. i feel betrayed by my bank big time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number 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 2023-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Global Lending Services LLC
State: AR

Complaint narrative:
I XXXX XXXX did an application in good faith and extended my credit under the impression that I would leave XXXX XXXX car lot with a car. 
Global lending was the bank that pre-approved me for said loan. 
Once the car salesmen XXXX came back to me after submitted my application, he stated that they would need a down payment of $ XXXX {$1000.00}. 
But the XXXX advertisement that XXXX XXXX posted on said nothing about a down payment. The false Ad stated they could put you in a car no matter what XXXX down if not then they'll pay you {$500.00} if they couldn't. So, I left the lot due to him asking for a down payment. Once I made it home, I called global Lending Services and spoke with a few people. I needed my application number. I went back to the dealership to get my application number. The owner XXXX XXXX gave me the run around about my application. We proceeded into a conversation i stated that they were in fact breaking the law. Once I made it back home, I called Global Lending again. The down payment had drastically changed to {$8000.00}. The last person I spoke with stated that I did in fact get an approval for {$20000.00} but also stated that Global Lending did not in fact require a down payment of {$8000.00}. He stated that the dealership was asking for said down payment. My Question is where is my CAR!!! Due to the fact that I extended my credit in good faith and received nothing from it is a VIOLATION of my consumer rights due to the fact that my credit alone is in fact my payment. From my understanding the dealership can not charge extra fees during a CREDIT TRANSACTION. I have not received any benefit and this is an issue that needs to be fixed immediately. 
They also never received my consent to pull my consumer report that is only for criminal background reporting anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me. 

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

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 2023-01-04 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: TX

Complaint narrative:
Equifax is reporting the following inquiries on my credit report which is a violation of my rights under FCRA XXXX15 USC 1681b ( a ) ( 2 ). I did not give permission for Equifax to report this information nor provide my credit information to any of the following companies. When I contacted Equifax to inform them of this violation I was again denied my right to have this information deleted and was told by representatives that I would have to have the companies mail in a letter to request deletion. The companies listed do not have the right to even access this information without MY CONSENT yet they are being given that right by Equifax WITHOUT MY PERMISSION or a PERMISSIBLE PURPOSE XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: MOHELA
State: VA

Complaint narrative:
When my loans were transferred from XXXX to Mohela, for some reason, I lost an already-approved payment. Under XXXX, I had XXXX eligible payments, with XXXX qualifying payments remaining. Under Mohela I have XXXX qualifying payments remaining. 

Further, while I submitted documentation for the XXXX XXXX program to both XXXX and Mohela - Mohela still has not processed the submissions. Further, XXXX refused to provide credit for working as a XXXX XXXX XXXX, and I often had to triple-submit information for them to finally read it, process it, and provide credit for my XXXX  XXXX 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 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act Victoria 's Secret has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: NY

Complaint narrative:
XXXXXXXX XXXX in conjunction with XXXX, XXXX and TransUnion are violating my consumer rights and the FCRA Laws.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. a 5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s 2 A 1. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
I was XXXX  for XXXX  XXXX  and came out to my home in foreclosure status, I contacted the FHA resource line and was assigned an agency to help me and I completed all required documentation to get help. 1 month later I get notice my home had been sold. I never received notice of foreclosure only notice of pre foreclosure. I am now distraught and without any resources because they agency that was given to me to mediate said I slipped thru the cracks. Please I'm begging for your help. I have all emails from the agency that was suppose to be helping me. Who when I contacted said we are so sorry contact a lawyer

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 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2022 we got a Cashiers Check from XXXX XXXX in the amount of $ XXXX it was deposited into an active Chase Bank Account , and we have the receipt of the deposit and the purchaser copy of the Cashiers Check. We spoke with Chase Bank they advised us it is an open account, and they flagged it as fraud. We told them we are trying to get our money back, and was just told to file a Police Report. They have not been much help in helping us get our money back for fraudulent activity. Please advise us on how to get our funds back. The cashiers check supposedly was to clear on the XXXX. We have all documents that this is fraud and we would like our money back from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Have been long-time Marriott card holder that earns points. Once it became XXXX Marriott, we have been unable to gain access to our points and Marriott has been unwilling to assist us in that effort. Each time we call they are rude and uncaring. We complete all of the necessary paperwork and fax in as requested but still no access. The supervisor ( XXXX, XXXX XXXX ) is the most unprofessional individual on the planet. Our rewards number is XXXX

Company response to consumer: Closed with explanation