vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: ND

Complaint narrative:
I have sent my mortgage payments to this address since XXXX. They have never mailed out a coupon book or monthly statements to pay this mortgage. I just keep using the first one I received when they took over my loan. I dont even know what date my loan is due. It is like they want me to miss a payment. And they never sent any communication that I had missed a payment, just received a letter that I was in default. 

I received a letter on XX/XX/22 saying I was in default loan and if I didn't pay two monthly payments {$1900.00} and escrow advance balance due {$1700.00} that they would foreclose on my home. I have copies of the checks that were cashed and escrow is included in the monthly payment ( which is for my house insurance ). I have never had any issues with the previous mortgage company. 

Please help me with this company... I don't want to lose my home. 

I wonder how many other individuals have lost their home because of these practices. This Finance company is in the business to taking people 's homes from them not to help them. 

Thank you Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
XX/XX/2022 I the Consumer applied for a mortgage with wellsfargo. I without asking uploaded my paystubs to their portal. WellsFargo used my SSN ( credit card ) to run my credit as well. XXXX XXXX called me and asked me some questions. She asked about my citizenship status and if I pay taxes. I'm not a citizen  I'm XXXX XXXX  which wellsfargo does not have an option for so I selected non citizen. Wellsfargo never asked me to submit any documentation proving that. Their Rep even stated that because I do not pay taxes I can not get a home loan. Which is not true! They discriminated against and DENIED I, the Consumer Credit. Wellsfargo violated 15 US C 168m and 12 cfr 1002 because I Again the Consumer, did an application in good faith, but credit was not issued. Wellsfargo discriminated Against me for not paying taxes and being a non citizen. Please see attached email from XXXX. Wellsfargo has done FRAUDULENT ACTIVITY ( unauthorized use of credit card 15 USC 1602p )

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 2022-10-14 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: GA

Complaint narrative:
I opened a fraud case against Experian XXXX for 2 accounts that are still showing open on my credit report. Case number XXXX. 
My last update on this case was XXXX which is over the alotted time provided. I need remedy on this case as this is preventing me from utilizing my credit. XXXX XXXX is operating fradulently as they have wrote the account off as a charge off, however, still reporting it on my credit report. I need this off of my credit report immediately or I will have to file a civil suit in my area and Experian will to answer to why they are violating my consumer rights.

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 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
In XX/XX/2021 I was transferring my Florida XXXX to a XXXX XXXX account and the check got separated from the paperwork. The original check was deposited into a XXXX account ( I have copies of the original check and the XXXX check ) at Bank of New York Mellon. I have reached out numerous times to try to find this check. BNYM Research and Resolution Dept will not talk directly to the public to assist me in finding my retirement money. SOMEONE has the authority to trace these checks and find my money. PLEASE have someone look into this matter. I am desperate to find these funds. It is my ONLY retirement savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Nordstrom lowered my credit limit from {$7500.00} to {$1000.00} without notifying me in violation of federal law. When I looked at my credit report and saw this decrease, which had a negative impact on my credit score, I called them and asked them why they had decreased it as I had received no notice. The representative informed me the limit was decreased due to inactivity. I informed her that I never received any notification that it would be decreased, and explained that previously when Nordstrom had threatened to do this, they sent a letter notifying me and I subsequently called in and told them that I did not want the decrease, and they kept it the same. In this case, I informed her I never received anything. She told me that something was sent, and I requested a copy of it. She could not locate or produce anything to provide to me, and when I asked about why not, she went to speak with her supervisor who said Nordstrom was not obligated to send me any notice. She said they were only required to send notice if an account was being closed. When I explained that had not been the previous practice ( as I had previously received notice that the limit was decreased ) she expressed ignorance to this practice. I said it made no sense that they would inform a consumer of their account being closed, but not that the credit limit was decreased, which had an adverse impact on my credit score. I told her federal law requires consumers to be notified of any action that might have an adverse impact on their credit score. Adding insult to injury, when I requested a credit increase I was denied and told it would not increase unless I made months of purchases on the card, which is extremely predatory. I never received notice that the limit would be lowered, then when the limit is lowered ( which decreased my credit score ), I am told the only way to increase it is to make purchases with the card for approximately nine months. This lack of notification, which violates federal law to inform consumers of adverse action impacting their account seems design to engender additional credit debt in a predatory fashion is egregious, which is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
In XX/XX/XXXX my home was damaged by Hurricane Irma and I began a loan modification process with XXXX XXXX. I did not make payments for several months ; XXXX XXXX notified me that I needed to provide documentation, I provided numerous documents including financials, pictures and letters of damage. However, I was not getting a new payment amount from them this process took longer than made me comfortable. I called on a weekly basis for XXXX months trying to finalize my new loan amount. In XXXX of XXXX, I received a letter from Freedom Mortgage notifying me that they had purchased my loan and would be my new servicer. The loan amount at that time was noted to be {$170000.00} with an escrow balance of {$2300.00} and a past due amount of $ XXXX. I was shocked since for the last XXXX months I had provided XXXX many documents to modify my loan. XXXX refused to speak to me about this referring me to Freedom Mortgage ( my new lender ). I understood at this time that XXXX had not completed my modification, I proceeded to provide all of the documents again to Freedom Mortgage and they processed my Loan Modification in XXXX of XXXX. In XX/XX/XXXX, I attempted to refinance my FHA loan to get rid of my PMI mortgage and this is where I noticed that I now owed more than I did when I originally purchased the property XXXX years prior there was a partial claim with HUD worth $ XXXX plus the $ XXXX plus $ XXXX plus a negative escrow amount of $ XXXX this totaled $ XXXX and I had purchased the property in XXXX for {$230.00}. This alerted me to begin asking XXXX XXXX to provide the loan modification documents and the balances, they notified me that they would not provide the loan modification documents as they were privileged but did provide me balances from XXXX to XXXX, they then informed me in writing that they would not provide any more information as Freedom Mortgage was my new lender. I asked Freedom Mortgage to provide a reconciliation of my escrow account and they notified me that they did not own my mortgage prior to XX/XX/XXXX and would only provide documentation from XX/XX/XXXX on. I used those two balances that I received and reconciled as best as I could with the limited information I had. I can tell that from my reconciliation that the issues are with my escrow balances beginning in XX/XX/XXXX ( but possibly longer but no one will provide me documents ). These issues in my calculation overlaps both mortgage companies. I also identified errors with Freedom Mortgage escrow balances. I can't get these companies to provide accounting of my balances since they now put it on one another, and they also won't give me a call to discuss. I believe my account is overstated and I need help reconciling these balances mainly the escrow balance.

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 2022-10-14 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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have disputed this account several times over 2 years and nothing has been done.

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 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
My name is XXXX, a federally protected consumer, and I am making this complaint against CREDENCE RESOURCE MANA, for committing identity theft. I have never given CREDENCE RESOURCE MANA, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with CREDENCE RESOURCE MANA and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CREDENCE RESOURCE MANA, any right to collect on this alleged debt. 
I have never received any documentation requesting validation from CREDENCE RESOURCE MANA, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CREDENCE RESOURCE MANA, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDENCE RESOURCE MANA, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDENCE RESOURCE MANA, continues its collection efforts, I will file for litigation for actual damages caused and they will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: McNeil & Meyers Asset Management Group, LLC
State: FL

Complaint narrative:
For XXXX XXXX the company XXXX XXXX XXXX have sent fraudulent information to XXXX of a debt that according to them belongs to me for {$4100.00}, damaging my history for several months, the contract that they send is not my signature and it is not the account number that They say that I must, even so I send all the documents that support me and attest to my good name, this company has not hesitated to correct said error, I beg you to take action against this company that charges without documents that support that is my signature and account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-14 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I opened a fraud case against XXXX XXXX for 2 accounts that are still showing open on my credit report. Case number XXXX. 
My last update on this case was XXXX which is over the alotted time provided. I need remedy on this case as this is preventing me from utilizing my credit. XXXX XXXX is operating fradulently as they have wrote the account off as a charge off, however, still reporting it on my credit report. I need this off of my credit report immediately or I will have to file a civil suit in my area and XXXX will to answer to why they are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, Equifax and XXXX are all currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the U.S. Bankruptcy Court for the XXXX XXXX XXXX Michigan, which is false. 

I have attached a letter from this court verifying and stating they do not report individual bankruptcy case filing data to credit bureaus, nor do they update information directly to the credit bureaus. 

XXXX, Equifax and XXXX are each falsely stating this bankruptcy on my credit report and has et to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX, XXXX and Experian are all currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the U.S. Bankruptcy Court for the XXXX XXXX XXXX Michigan, which is false. 

I have attached a letter from this court verifying and stating they do not report individual bankruptcy case filing data to credit bureaus, nor do they update information directly to the credit bureaus. 

XXXX, XXXX and Experian are each falsely stating this bankruptcy on my credit report and has et to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a Capital One XXXX XXXX card. As a sign up promotion I was told I would receive a {$200.00} credit for any vacation rentals. I stayed in an XXXX in the beginning of XXXX and I have still not received my credit. I reached out to capital one many times and they keep on pushing me off regarding this refund. I finally spoke to someone in XXXX who decided to open a claim and I was told I would get a response within a few days. Their response was that i need to wait some more time i waited till the end of the next billing cycle and it is still not in my account so it is now after 3 billing cycles and i still have not received the credit. I spoke to someone today and they said that i should keep waiting and eventually it will come, they did not give me any more information then that. They all said that it should not take more then 1-2 billing cycles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I dont speak English I am using a translator .they are two problems with the same company, one for the GAP insurance and the other for three fines that they took from me for not having funds in my account according to them, but I have proof that the amount since it began in XX/XX/XXXX, the lowest balance It is {$1500.00} dollars and what I have to pay to Westlake is {$480.00} dollars. From the beginning on XX/XX/XXXX they charged two insurances, one from GAP and another from GAP and premium, I called for months and in a call in XXXX they told me that I could be calm down they would no longer charge that insurance and I continued paying my monthly fee until XX/XX/XXXX when I had to change banks for automatic payments, I called and made the change and found out that they were still charging me for the GAP insurance but it was accumulated months ago, so I filed the complaint a month on XX/XX/XXXX I called to ask why they had not withdrawn the money from my account, and they told me that the account was without funds and that for that they would charge me XXXX dollars, I called many times I recorded the conversations ones where they told me not to worry about sending the proof of the complaint, I sent them to the mail and the only thing they answered me was, ( you can not waive the GAP insurance, the contract says it, they never answered what they charge me for the fines of I did not pay unfairly and that the insurance will continue to collect.

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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have been getting charged a monthly fee of {$5.00} by Regions Bank for years when I was told by the bank when I opened the account that if I received a direct deposit that I would not be charged the monthly fee but I was still being charged this fee.

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 2022-10-14 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and condifentialtiy under 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX TX, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy XXXX XXXX XXXX section XXXXXXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) 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 XXXX XXXX 

XXXX XXXX XXXXXXXX ( A ) ( XXXX ) section states : 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