vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: NY

Complaint narrative:
My name is XXXX XXXX, i reside on XXXX  XXXX XXXX in XXXX XXXX. 

We are having a problem with our Mortgage Servicer Selene Finance. We were behind on payments and have been making the effort to catchup on them. i have sent them several payments over the last two months and they either not post them or they take up to 20 days to apply them. Again im not disputing the fact we were late. But it is ridiculous it takes this amount of time to apply them. 

in the middle of all of this we received a Loan Mod packet that I returned to no reply. They removed my online access so i can not check on the payments. Email contact wit them takes up to a week to get any type of response. Last week we received a packet from a Debt Collector regarding this saying we have up to XX/XX/2024 to answer, as well as a letter from Selene regarding an Escrow Shortfall. Friday we received another Loan Mod packet. 

Last nite in our mail we received 3 letters from Attys saying they have us on the Court Record with starting a foreclosure. i sent tow payments out one on the XXXX of this month and the other not long after that, that are still not applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: CT

Complaint narrative:
Prior to missing a mortgage payment, I completed a financial hardship application in beginning of XXXX. I received a letter on XX/XX/2023 that they needed one additional pay stub from the prior pay period and my insurance docs as I pay that separate from the mortgage. I spoke with them a couple times asking either for a forebearance or modification- some sort of assistance until I was able to get back on track. However, I was told that since I do have income coming in, I was denied for a forebearance and because my income was too low, I was denied a modification. 
So despite my request for some sort of assistance my options at this time are either to go into foreclosure, deed in lieu of foreclosure or sell the house. 
I don't understand why they are unwilling to provide me some options to be able to get assistance for a period of time until my income does stabilize? It seems they are pushing me into foreclosure instead of helping me find a shortterm workout plan. 
I am a XXXX  XXXX originating mortgages so they know very well just how devasted our industry has been in the past year due to historic increase in mortgage rates. I am paid 100 % commission so my pay is directly impacted by the industry lending volume. This year 's income was 45 % of last year 's income so they are also able to see that my current pay is not the norm but a direct result of Fed tightening. 
I indicated that I am not looking for any forgiveness of debt, I was requesting assistance in getting thru this unprecedented industry slow down and they denied my request despite my perfect payment history on all preceding payments and despite me reaching out for assistance prior to being late with my payment. What is the point of telling consumers to reach out to the server for help if they are unwilling to help during a time of financial hardship?

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 2023-12-20 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2023-12-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I opened new account in chase bank in month of XXXX. I updated my account details in my company portal so that I can get salary directly deposited in my account. But due to some reason instead of direct deposit my company issue check for my salary. I got XXXX checks from my company XXXX for my basic salary and remaining XXXX for my other allowances. I deposited all XXXX checks in my newly opened chase bank account. After some time when I checked I observed that my checks put on hold. After talking with Chase bank customer care I came to know that check is not verified that's why they put it on hold also they are going to close my account due to suspected fraud activity. I reached to my company ( XXXX XXXX ) for this issue and asking reason why check is not getting verified. They checked the issue with XXXX with whom my company have tie-ups. XXXX team mention that checks was already encash by chase bank and they all are valid one thats why XXXX XXXX ( XXXX issue checks from XXXX XXXX ) paid all amount to chase bank. Then I again reached out to chase bank and they said when they are trying to call my employer number showing as invalid. Number registered in there internal database. Neither they providing me number which they are using nor they agree to call with the other number which is in working. There is one number available on check provided by XXXX when we are dialing that number we are getting message - we cant verify this check at this moment reason because checks are already encash so thats why XXXX team deleted entries from there system. Now my XXXX $ stuck in chase bank account. I have original copy of checks with me. Even I have original copy of my pay statements in which my check number along with amount is mention. My company agree to provide confirmation upon email. Even I have confirmation from XXXX team over email that all XXXX checks are valid. My company asked to return back all amount which chase bank encash from check to the same bank bank account which issue the check so that my company directly deposited amount to my account. But chase bank is not agree upon it. They are saying my employer bank need to submit request to return back money but as per my employer bank they cant submit request because there is no reason to submit request. All checks are valid that's why chase bank able to encash it. As per there records all checks are encash. Kindly help me for this issue .My amount is stuck from last 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
For the past 6 years XXXX XXXX has repeatedly reported a loan on my credit report that I never applied for much less received. After years of fighting them, them removing it only to add it a few months later, and countless complaints to you and other agencies they agreed to remove the account from my report and told me to let the collection agency know. I contacted the collection agency who immediately opened an investigation. Both companies promised to take it off my report but Experian is refusing to do it stating that XXXX XXXX has reported the account as accurate even though I sent the emails from both companies stating they have requested removal. I contacted XXXX XXXX and they said this was not true, that Experian never contacted them. 

For the past 40 years of me having credit Experian has fixed an inaccurate report once even when I showed proof unless I threatened to sue and had an attorney speak with them. I can not afford an attorney now or even consultation and they know it. I am tired of them allowing illegal activities to be done at my expense.

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 2023-12-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have just called Chase today ( XX/XX/2023 ). Chase Bank is making efforts to drive me insane in order to make me as insane as them. I have wasted over XXXX minutes with a representative who refused to process XXXX forms we emailed to Chase several times already. For several years, Chase has refused any cooperation with us over this matter. The representative baited me into wasting time by saying they would help me fill in XXXX forms for the alleged PPP loans/grants. I do not even want their help ; I have demanded several times that they send XXXX links that my accountant can use to fill in the forms himself. Chase has instead written to me text ( s ) that are anti-accountant. 

After I wasted several minutes answering stupid questions on XXXX and making XXXX work, Chase then pretended to not know they just sent me a XXXX link as if they haven not been calling to tell me they could help me fill it out -- since they refuse to use the forms I sent to them which my accountant prepared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: IL

Complaint narrative:
I HAVE REACHED OUT TO XXXX, EQUIFAX XXXX XXXX TO NOTIFY THEM OF UNAUTHORIZED ACTIVITY AND IDENTITY THEFT. I HAVE ALSO SUBMITTED AN IDENTITY THEFT REPORT ALONG WITH COPIES OF ID AND SOCIAL AND OTHER VERIFIABLE IDENTITY DOCUMENTS THAT FUTHER SUPPORTS MY COMPLAINT. MY IDENTITY WAS COMPROMISED A TIME BEFORE AND YET HAS NOT BEEN PROTECTED BY BUREAUS NOR HAVE THEY CORRECTED THIS ISSUE. 

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party, unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The companies never informed me of my right to exercise my nondisclosure option. Also,15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. These accounts are adverse items that are reporting without my consent which is against the law.

Furthermore, these adverse items also violate The Privacy Act of 1974 and 16 CFR 313. 
I sent a letter on XX/XX/XXXX exercising my consumer right to opt out and these companies completely ignored me and are continuing to furnish my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
XXXX XXXX used to have their own credit card so that passengers could book flights and then make monthly payments at 0 % as long as the balance was paid within the allotted time. A few months back, XXXX eliminated this program, transferred it to Citi AA  Advantage cards, and called XXXX. Cards eligible for this program are found on this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then applied to one of these cards, Citi / AAdvantage Executive World Elite Mastercard to be exact, to use this offer along with other offers. Today, I tried booking a flight 3 times, and the XXXX  option does not appear. Eventually, I called XXXX XXXX customer service, and after XXXX minutes, I was told that I needed to get approval from Citicard. Today, Tuesday, XX/XX/XXXX, at XXXXXXXX XXXX EST, I called Citicard to inquire about adding XXXX  to my XXXX account. The agent who helped me said that the XXXX option is an on-and-off promotion, and I need to check every time I book to see if XXXX is available for my purchase. Nowhere in the application or the website below says this is an on-and-off promotional offer. In fact, it says : " Book now. Pay later. Adventure is calling, and now you don't have to wait. With XXXX XXXX Pay on your eligible Citi / AAdvantage credit card, you can book your flight today and choose a convenient plan to pay over time. Any flight purchase of {$75.00} or more No application or credit check Flexible payment options Continue to earn rewards on your flight purchase as you normally would. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I feel that they misled me with this offer or the agent who I spoke to is not aware of XXXX 

Today, Wednesday, XX/XX/XXXX, I spoke to another CitiBank credit card employee, XXXX, who told me that, indeed, I am supposed to have this benefit enabled and to call XXXX XXXX as this is their issue. She first stated that the Citi Card would break down the cost into 6 payments. Still, when I showed her a flight I booked in XXXX, based on an email from XXXX ( attached here ), and the payments did not break down, she said that it was XXXX XXXX issue of not putting the fly now pay later option on their website. So I keep going back between XXXX and Citi, and nobody has an answer.

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 2023-12-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
As of XX/XX/2023, I have had several accounts compromised. Attempts to apply for loans or credit cards have been made without my consent. I have not done any such activity for a long time. I have also received several e-mails, starting on XX/XX/2023, stating I requested to reset my password or my password has been changed. I have been rigorously been changing passwords for all these sites. I have also had to shutdown the credit card I regularly use, three times this year, due to fraudulent charges. I suspect identity theft has taken place and I need corrective action taken immediately.

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 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : 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 : 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 of 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 2023-12-20 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

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 2023-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: MO

Complaint narrative:
I contacted the company to pay to delete. I stated that I needed them to send me a letter agreeing to these terms before I paid the XXXX they agreed to. 

I was never given an opportunity to pay this debt before it was sent tobthe creditors in XX/XX/. Dropped my credit score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Greetings, My name is XXXX XXXX XXXX, Ive been having some preoccupations related to a credit card XXXX  from First Bank XXXX XXXX with a credit limit of {$5000.00}. 

Ive used it and paid it very soon, by on XXXX XXXX I used {$1900.00} aprox. And the bank on XX/XX/XXXX my credit score in XXXX XXXX went down about XXXX points! I mean, have other credit cards and I used them and pay fast to maintain and grow my credit score and history as Im a business person and if it wasnt for my XXXX credit card which increased my credit line and made my credit score a bit up my credit score would have gone way more down.Im working with the bank on a mortgage and this could affect me and obstruct my transaction. 

I paid the amount used on the card, Terrified about what I was looking at, but the bank only reported the credit card balance on {$0.00} but didnt gave me back my points. 

How I see it, its not cost effective to use a credit card which for such a small amount of money ( didnt reach the 50 % use ) takes down your credit score in less than a week but dont report it back as it was. On XXXX I Have as score of XXXX and it should be the same on XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation