vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
My mortgage servicing was just transferred to Selene XXXX, website www.selenefinance.com, I have been trying to make my XXXX payment but their website does not accept payments, their phone system doesn't let me make payments and no one at Selene answers the phone. Selene has a very bad reputation, I am a XXXX XXXX XXXX  and am very worried about losing my home to the company. I need to make my XXXX payment asap and am unable to reach anyone at Selene. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed XXXX  XXXX Bankruptcy on XX/XX/XXXX. Bank of America is reporting my Payment Status on all three credit bureaus account as a collection/charge off as of XX/XX/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 2022-01-24 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: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
I applied for a home equity loan and was turned down due to " Derogatory public record or collection '' information on my credit report. I contacted XXXX about my credit report and was advised that I had an account with adverse information. My report stated that Sequium Asset Solutions was/ has attempted to collect a past due debt of {$7500.00} from XX/XX/XXXX. I have never heard of, been contacted by or done business with this company. 

I contacted this company by the number listed on my credit report and spoke with XXXX on XX/XX/XXXX who stated this account has been returned to the original creditor and is no longer with them. He provided the account and indicated it was with XXXX XXXX  I contacted XXXX XXXX  on XX/XX/XXXX and XXXX stated there is no account in my name, social security number or my phone number with her company. 

I have initiated a dispute with XXXX to have this false information removed from my credit report and I am contacting you to advise you that this debt is not mine and potentially my name or information has been used fraudulently. 

Although both companies were mentioned in the adverse information of my credit report, neither were helpful in resolving the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I received a notice from rent recovery solutions saying I owe them rent I requested proof of debt ( lease or something ) did not receive anything. This was reported to the XXXX and XXXX XXXX credit bureaus incorrectly. 

We are homeowners and do not owe any rent. I called the number o the dispute I filed with XXXX and the number belongs to a food truck. 

I am a very unhappy camper and this needs to be resolved and removed... ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was paying rent for XXXX. My Landlord asked me to use XXXX to make the payment. She said to find her profile, and i could pay using her email address. I found her profile with her first name, middle name. I did not see that her email address was off by 1 letter. I sent the rent to this profile using the Chase Bank App through XXXX. The bank tells me the money is gone there is nothing they can do. XXXX says I need to bring it up with Chase Bank, there is nothing XXXX can do. 

I talked to my Bank about 5 times and they tell me my money is gone. They are not doing anything to help me recover my lost money, neither is XXXX. 

This was my first and only time using XXXX. 

What can I do to get my {$1500.00} back? 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted Experian in regards an error with an entry of XXXX XXXX that appears on my credit report as charged off however this reporting is false along with the amounts that appear on my credit bureau Experian informed me that they contacted the company and they verified this information to be true. I decided to reach out to this said company and ask for proof of information that is being reported to Experian to my surprise the credit was shocked according to the letter attached that this reporting had been going on they stated they sent documents to all three credit bureaus to correct their error however time has passed and still Experian refuses to correct the inaccurate information

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 2022-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clear Recovery, Inc.
State: NE

Complaint narrative:
This debit is medical, at the time of the procedure I provided the XXXX  authorization for the procedure at the hospital, all other bills were run through the XXXX  but " XXXX XXXX '' who flat out refuse to bill the XXXX  despite multiple contacts from myself AND the XXXX  explaining that all they have to do is BILL the XXXX  with the provided information. The first contact was much earlier but I talked to the biller ( Radiology Consultants ) around XXXX about the incorrect billing situation, and they claimed they would fix the error. In XXXX I began receiving calls from Clear Recovery 2-3x a week and they refused to send me anything in writing on how they received the debt and there was no notice from the biller that the debt was not paid when billed. Upon consulting the XXXX  on XX/XX/XXXX it was discovered the biller had yet to bill the XXXX  with the information provided. They sent the debt into collections without billing properly. Myself and the XXXX  billing department called Clear Recovery and provided them information to bill CORRECTLY. They were also told at the time the XXXX  is responsible for the bill and to stop calling me IMMEDIATELY. I also told clear recovery this in my earlier in the day phone call with them. The XXXX spoke to a XXXX who said the it would be billed correctly right away. On XX/XX/XXXX the XXXX  tried to follow up with Clear recovery, but there was no answer. 

Starting in XX/XX/XXXX Clear Recovery started calling me again, and again I told them I had no outstanding balances, and they would need to mail me anything regarding any debts owed as only USPS mail ( not over the pone due to scams ) would prove a debt. They refused and said they had sent me something. They called from multiple numbers several times a day leaving voice mails. 

On about XX/XX/XXXX I revived a " statement '' from Clear Recovery and sure enough it is the SAME bill that both the VA and I have called on and told them the VA has not been billed and I can not /will not be paying it as I am not the responsible party. The VA again called them, and the biller, and provided the correct billing information XXXX at XXXX XXXX said they would run the information to get the bill paid, however a this time, it still has not been run. 

This company will not stop harassing me for a company that refuses to bill the responsible party, even when the other hospital resources have been paid. 

( All phone calls are recorded by me as Nebraska  is a single party consent state and requires no permission, and can be provided on request, some lasted hours and can not be uploaded )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have reached out to the 3 credit bureaus regarding an account with portfolio recovery that I reached an a agreement on with the collection agency to settle an account it was paid in full and in the conditions of the agreement they reached to the 3 credit reporting agencies Transunion, XXXX, XXXX requesting that this account be removed. I disputed the account with credited bureaus asking them to properly investigate and remove this account since it is settled and the company agreed to remove it the credit bureaus did not conduct a proper investigation on the account. The credit bureaus continue to willing fully violate my consumer rights under the FCRA 611 ( a ) ( 5 ) ( i ).

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 2022-01-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reached out to the 3 credit bureaus regarding an account with portfolio recovery that I reached an a agreement on with the collection agency to settle an account it was paid in full and in the conditions of the agreement they reached to the 3 credit reporting agencies XXXX, Equifax, XXXX requesting that this account be removed. I disputed the account with credited bureaus asking them to properly investigate and remove this account since it is settled and the company agreed to remove it the credit bureaus did not conduct a proper investigation on the account. The credit bureaus continue to willing fully violate my consumer rights under the FCRA 611 ( a ) ( 5 ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is housing unverified information on my consumer report. Information from the Department of EducationXXXX XXXX 
They are violated several federal laws.

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 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America put a 7 day hold on a check that was drawn by bank of America. Funds cleared and the money is still unavailable. This bank operates like a crook

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 2022-01-24 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: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: IA

Complaint narrative:
We took out our mortgage in XXXX through XXXX XXXX XXXX XXXX  who sold the servicing rights to Fay Servicing LLC. We paid off the mortgage with Fay XX/XX/XXXX and took out a new mortgage with XXXX XXXX. XXXX XXXX paid off that loan and Fay never filed a lien release on the title of our home. We started a refinance process with XXXX XXXX  in XXXX of XXXX. A request to file a lien release with Fay was sent on XX/XX/XXXX when we realized that Fay never processed the lien release in XXXX. XXXX requested the lien release XX/XX/XXXX and XXXX closed out the request and did nothing. I called every other day from XX/XX/XXXX until the end of XX/XX/XXXX. All I got was the runaround and no one would help me. The window for me to refinance closed at the end of XXXX. I contacted the Iowa Attorney General XXXX XXXX 's office at that time and I filed a mortgage complaint. They sent the complaint to Fay and gave them 15 days to respond. Fay waited until their 15 days was up and they finally sent the lien release. Their delay cost me to have to refinance my home at 2.99 % instead of 2 % because Fay neglected to file the lien release when they should have on XX/XX/XXXX! This has impacted our refinance! During the time I tried to work with them, I have never been treated so poorly! they were so rude and condescending and flippant about our situation! Do I have any legal recourse? They should be fined and held responsible for my financial impact. Thank you!! I don't really have anything other than the complaint I filed through the Iowa Attorney generals office which is an email format.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
XXXX*THIS IS NOT A DUPLICATE COMPLAINT. *** I AM THE CONSUMER AND I KNOW MY RIGHTS 12 USC 5511 ( c ) ( 2 ). The Consumer Financial Protection Bureau is to protect me from unfair deceptive or abusive practices from discrimination, 12 USC 5511 ( b ) And enforce actions of violations of Federal Consumer Financial Law. Consumer Collection Management Inc has violated the Gramm-Leach-Bliley Act. 
I sent XXXX XXXX XXXX a letter on XX/XX/2021 exercising my right to opt out from them disclosing my nonpublic personal information ( personally identifiable financial information ) to any and all nonaffiliated third parties. I never received a response back from this company and they are still disclosing my personally identifiable financial information to nonaffiliated third parties, consumer reporting agencies and resellers. I have attached the letter I sent them including my drivers license and proof of address, even though I am aware proof of identity and proof of address are not required for me to opt out of my nonpublic personal information from being disclosed to nonaffiliated third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a pre-qual email from Navy in which I applied for mortgage. I was already in contract with another Lender but decided to try Navy. When I applied I never received any communication from the loan officer. I started calling every week to get answers. I never spoke with the loan officer but on XX/XX/XXXX I received a denial, I called about the denial and was told to appeal it in which I did and still as of today have not received a call or e-mail. I feel as though my application wasnt looked at or treated fairly. The denial said debt to income ratio. I dont have any debt and currently approved with another lender so I wanted to know how was that determined and if that was the case why wasnt other options offered or why didnt the loan officer tell me what loan I would qualify for. Ive been totally ignored and want this disturbing treatment escalated to the CEO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I tested positive for XXXX. I was placed on administrative leave from our office and didnt work. Ive been out of work since then. When I returned to work on XXXX XXXX I was told that my position with the company was limited and cut back and was laid off that day. Ive since called and spoken to Loan Me which ( XXXX ) XXXX account managers and they wont place any payment on the backend of my loan or offer any payment assistance since I havent been able to work since XXXX. The last supervisor I spoke to XXXX advised me that I would have to fall behind 30 days before any assistance can be given. This is going to negatively impact my employment since I am a licensed loan officer. I need Help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX to Axos Bank effective XX/XX/XXXX. I have always paid every mortgage payment on time, and I made the final payment to XXXXXXXX XXXX  on XX/XX/XXXX. However, despite numerous attempts to rectify the problem, Axos Bank still has not posted the XX/XX/XXXX payment to my account. Axos Bank continues to send me statements claiming my account is past due, when it is not. I have tried calling Axos Bank, but they leave me on hold forever. I sent an email to XXXX  on XX/XX/XXXX, but got no response. Then I sent a Qualified Written Request letter to the proper Axos Bank address on XX/XX/XXXX, but have received no response. Both times I attached documents proving that I made the XX/XX/XXXX payment ( same documents I am attaching here ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I went on a Covid forbearance with us bank home mortage on XX/XX/XXXX thru XX/XX/XXXX. I attempted several times unsuccessfully to refinance the original amount of {$9800.00} in XXXX of XXXX through the loss mitigation department at us bank home mortage. Since then I have been yelled at, hung up on, lied to and disrespected by the young female employees of the loss mitigation department at us bank home department when I tried several times to make the payment arrangements that I told would be no problem to do my refinancing for my Covid forbearance mortage loan amount. I have also been harassed abs threatened by this mortage company who their workers falsely told me while worrying from their personal homes for us bank home mortgage that I would be in jeopardy of losing my home if I dont pay off the full amount that I owe for the Covid Forbearance period. They treated as well as not a good customer of XXXX + plus years with my current home mortgage loan with us bank but falsely accursed me of just refusing to pay on my home loan workout accurately acknowledgement that my loan was under an approved worldwide Covid pandemic forbearance!

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 2022-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
received a statement on XX/XX/XXXX for {$160.00} and XX/XX/XXXX {$5900.00} for services received on XX/XX/XXXX. 

XX/XX/XXXX spoke to XXXX XXXX at XXXX Ref # XXXX, amount due is {$38.00}, she requested a corrected statement from XXXX XXXX XXXX XX/XX/XXXX received letter from XXXX XXXX for final notice for payment XX/XX/XXXX check # XXXX cleared bank for amount due {$160.00} XX/XX/XXXX Final notice received from XXXX XXXX XX/XX/XXXX spoke to XXXX Ref # XXXX sent letter stating amount has been paid by XXXX, requested itemized statement XXXX XXXX from XXXX XXXXXXXX XXXXXXXX XXXX faxed to XXXX at XXXX XXXX XXXXXXXX on XX/XX/XXXX SEE XXXX page XXXX of XXXX  XX/XX/XXXX XXXX  sent a letter to XXXX XXXX stating per the contract in network doctors and facilities can not bill for services per their contract XX/XX/XXXX XXXX spoke to XXXX at XXXX XXXX stated XXXX at XXXX sent an explanation of benefits to management at XXXX XXXX XXXX was told not to pay at this time because amount due was to be zeroed  out

Company response to consumer: Closed with explanation