vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
My house is in danger of foreclosure. This problem goes back to XXXX when Fay Servicing indicated I could apply for loss mitigation online. I did so. After realizing within a fifteen-minute time frame the draft document was submitted accidentally. I immediately loaded the correct form online. I called several people at Fay getting different advice on what to do. Nevertheless, the wrong application was uploaded by the underwriter and the calculations were done for monthly income we do not have. The payment plan is established for {$5400.00} a month. I NEVER signed anything agreeing to these terms. This was something they told me that I needed to sign for. I never got a document. Yet, I did make the XXXX Payment because I was threatened that if I did not pay it, I would be foreclosed on. I was told to re-apply for hardship ( Loss Mitigation ). I really did try to try, but this is unreasonable I can't pay this with personal bills and utilities being shut off. 
After talking with a representative, I was told that the system takes the first form, and you are pretty much out of luck if a second was put in. I CAN NOT MAKE THE XXXX PAYMENT ; THUS, THE PLAN WILL BE BROKEN. 

On XX/XX/22, I contacted Fay Servicing to explain that I can not make a {$5400.00} a month payment plan. I asked for a re-assessment In addition, I would like to complain about the representative XXXX XXXX XXXX ) who is a terrible person. I realized who she was because she was once assigned to me as a manageXXXX and NOT ONCE did she bother to call me back when subsequent calls were made to assist me in my concerns. She takes great pleasure in not helping people. Getting thrills that a person will lose their home. She stated I could apply at any time, but it doesn't mean it would be approved and I need to have another plan. There is no other plan. I need to keep my home. I was also told that my house would be foreclosed on in thirty days if the payment is not made. I re-submitted my application by fax and email and hope these people can expedite this. 

( See print-showing my initial application and the resubmitted one with date and time stamp/current print screen of whats owed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Co LLC
State: TN

Complaint narrative:
Debt Co XXXX has placed a collections account on my XXXX and XXXX credit reports as a collection account, This company is not licensed in TN as a collection agency, I was not notified by this company that I had an account with them, or given the opportunity to dispute this debt prior to it being added to my credit report, This Account was listed as a New debt with incomplete information on account payment history and date of delinquent payment Debt Co XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX Phone : ( XXXX ) XXXX Appointments : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
My mortgage was transferred from Freedom Mortgage to XXXX XXXX XX/XX/2022, then transferred back to Freedom Mortgage XX/XX/2022 which onboarded with a late payment due XX/XX/2022, which could not be paid nor was there any billing statement sent for from XXXX XXXX or Freedom Mortgage prior to XX/XX/2022. No communication between either servicer was provided regarding a servicing transfer until I reached out to each XXXX XXXX first to find out what was going on with my mortgage and secondly to Freedom Mortgage asking why they were sending me late payment notices without having first received account info.

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've sent dispute letters numerous times asking for verification and requesting changes in the past and twice in the last 2 months about how they're reporting my payment history incorrectly. All 3 bureaus are reporting late payments that weren't late and they have them reporting at random days of delinquency. Ex : I have consecutive months paid on time and then the next month suddenly jumps to 90 days late then reports OK and then jumps again to 60 or 90 days late. If my payments were to have been late then what happened to the 30 and 60 days reporting first? That can't report that way and they weren't late payments to begin with, my letters have been ignored for quite some time and I'm left with seeking legal representation for the damages these incorrectly reported accounts have been affecting my credit and quality of life for years now. XXXX is showing my payments go from XXXX to XXXX late the next month. TransUnion is also reporting late months that are outside the 7 year statute of limitations, another violation. I'll attach copies of my most recent reports for proof.

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've sent dispute letters numerous times asking for verification and requesting changes in the past and twice in the last 2 months about how they're reporting my payment history incorrectly. All 3 bureaus are reporting late payments that weren't late and they have them reporting at random days of delinquency. Ex : I have consecutive months paid on time and then the next month suddenly jumps to 90 days late then reports OK and then jumps again to 60 or 90 days late. If my payments were to have been late then what happened to the 30 and 60 days reporting first? That can't report that way and they weren't late payments to begin with, my letters have been ignored for quite some time and I'm left with seeking legal representation for the damages these incorrectly reported accounts have been affecting my credit and quality of life for years now. Equifax is showing my payments go from XXXX to XXXX late the next month. XXXX is also reporting late months that are outside the 7 year statute of limitations, another violation. I'll attach copies of my most recent reports for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've sent dispute letters numerous times asking for verification and requesting changes in the past and twice in the last 2 months about how they're reporting my payment history incorrectly. All 3 bureaus are reporting late payments that weren't late and they have them reporting at random days of delinquency. Ex : I have consecutive months paid on time and then the next month suddenly jumps to 90 days late then reports OK and then jumps again to 60 or 90 days late. If my payments were to have been late then what happened to the 30 and 60 days reporting first? That can't report that way and they weren't late payments to begin with, my letters have been ignored for quite some time and I'm left with seeking legal representation for the damages these incorrectly reported accounts have been affecting my credit and quality of life for years now. XXXX is showing my payments go from OK to 120 late the next month. XXXX is also reporting late months that are outside the 7 year statute of limitations, another violation. I'll attach copies of my most recent reports for proof.

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 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was money out in my account from I dont know where and my account is negative XXXX XXXX dollars and I have never put a check in or touched the money there can you please help me

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 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
FRAUDULENT ACCOUNTS 1. XXXX XXXX account number XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX  Account Number XXXX 3. DEPT OF EDXXXXAccount number XXXX, Loan ( 02 ) 4. DEPT OF EDXXXX Account number XXXX, Loan ( 01 ) I TALKED WITH THE DEPT OF ED/AIDVANTAGE ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE XXXX XXXX XXXX WHOS BADGE XXXX IS XXXX. I REPORTED TO EDXXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX  SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING XXXX  XXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXX  XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON 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 2022-04-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
FRAUDULENT ACCOUNTS 1. XXXX XXXX account number XXXX XXXX - XXXX XXXX 2. XXXX XXXX  Account Number XXXX XXXXXXXX DEPT OF EDXXXXAccount number XXXX, Loan ( XXXX ) 4. DEPT OF EDXXXX  Account number XXXX, Loan ( XXXX ) I TALKED WITH THE DEPT OF EDXXXX ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE XXXX XXXX XXXX WHOS BADGE XXXX IS XXXX. I REPORTED TO ED/XXXX  THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX  SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING XXXX XXXXXXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXXXXXX XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I filed for XXXX XXXX bankruptcy protection. My credit card I had with Bank of America ending in XXXX was included in the bankruptcy filing. However XXXX refuses to display the information regarding this account correctly. The date reported shows as XX/XX/XXXX instead of XX/XX/XXXX when the account was included in this bankruptcy. Because of this erroneous date my XXXX credit score varies by as many as XXXX points than XXXX and XXXX. Back in XX/XX/XXXX, I submitted a dispute to XXXX involving several accounts that were included in the same bankruptcy that I was having the same issue with and many of the dates on those accounts were corrected to show the correct date. Additionally, I recently submitted a 609 letter to XXXX wanting to know the source of their information regarding the Bank of America credit card and so far there hasnt been any response. Each time I call XXXX Im told they only display the information provided to them by the creditor and when I contact the creditor I am referred back to XXXX. I just want this error fixed. I am in the process of rebuilding my credit and I have established many new accounts that all in good standing and have not had any derogatory events since the bankruptcy filing more than two years ago. So its really hurting my rebuild efforts when a creditor is reporting a delinquency that occurred two plus years ago as an event that just occurred this past month. I am aware that as negative information ages it has less of an impact on your credit score. Please help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been going back and forth with XXXX in regards to unauthorized use of my credit report as well as unauthorized inquiries that have been placed on my credit report. 
The crazy thing is I have placed fraud alerts as well as a security freeze and paid membership with XXXX to add the extra layers of protection to prevent fraudulent activity on my consumer report. XXXX has failed me and is causing actual damages not only to me and my livelihood but as well as my kids. Due to the rules and regulations of their offered fraud alert and security freeze program gave me a peace of mind knowing I took extra measures and obtained the fraud alert and security freeze that it would lower the risk of me being an identity theft victim again. I know by having the freeze and fraud alert on my consumer report that if anyone would be applying for credit using my social the business would have to call me in the process and verify that it was me applying for credit before running my information. XXXX has failed me significantly they allowed me to become an identity theft victim again despite me having the fraud alert and security freeze. I have tried to dispute this on numerous occasions with them about these unauthorized inquiries and accounts on my report, they ignored me and stated that they cant do anything about it. How can XXXX have a paying member let down and not do anything when I took the preventative measures and had the protection of them when these accounts mysteriously popped up on my account while having their security freeze, fraud alert and their membership. I have sent them identity theft report, letters and called on numerous occassions about this. I strongly feel that the CFPB needs to sue XXXX first for not followng the FCRA and wrecklessy injuring consumers for lack of properly verifying, investigating and notifying consumers on how they get their information. 
I am requesting XXXX remove all unauthorized inquiries on my consumer report and unauthorized accounts. I am asking the CFPB to investigate and sue the XXXX out of XXXX for fraud and crimes they comitting and the violation of the FCRA. 
Please delete : 1. XXXX XXXX XXXX- account # XXXX 2. XXXX XXXX XXXX account # XXXX. 
Please delete : 1XXXX XXXX XXXX XXXX Inquiry date:XXXX 2. XXXX XXXX  XXXX XXXX Inquiry Date:XXXX 3. XXXX XXXXInquiry Date:XXXX XXXX XXXX XXXX- Inquiry date:XXXX  These are unauthorized please remove immediately and comply with FCRA which is also the rules XXXX suppose to abide by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CT

Complaint narrative:
Our landlord fraudulently placed a delinquent rent charge on mine and my husbands credit report. Fidelity Credit Corp placed the charge and will not call us back. We are extremely frustrated that someone can just place whatever they want on our credit. We have a court order to pay our rent to the court, and our landlord retaliated. He did threaten to do what he did if we paid the court, and I have all supporting documentation that we are up to date. Here is a link to our court case : XXXX XXXX XXXX XXXX I am happy to provide any further information needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TX

Complaint narrative:
On XX/XX/2022 I noticed a collections account for XXXX for {$3800.00}, I immediately disputed this since I had the final bill from XXXX. Which was {$1200.00}. I immediately uploaded my document that clearly stated this was my final bill. This credit agency closed my account as verified on XX/XX/2022. Even though I had submitted proof that this account was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Ricart Financial Services
State: OH

Complaint narrative:
XX/XX/2022 Tracir Finance Employee called me regarding payment loan. I informed her I made car payment however she did not see it on her end. After 5 mins she found payment. Employee ask when was I making my next payment ( I informed her next week ). Employee ask for a specific day ( I informed employee I did not have a specific day ) Employee Do you want to keep your car You are considered for repo I immediately got upset and we began to argue before I hung up on employee. I called tracir to report the woman got hung up 2 times. I called 3rd time spoke with XXXX who said he will Get IT to pull the call. Still waiting to hear back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Westcreek Financial
State: PA

Complaint narrative:
Someone used my information to get a loan from koalafi on XX/XX/2022 in the amount of {$550.00}. I did not authorized this nor give permission for this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
On XX/XX/2022 someone used my information to get a loan from a company named Acima in the amount of {$1000.00} I did not authorize this purchase nor consent to have my credit pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA

623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NC

Complaint narrative:
XX/XX/2022 {$1500.00} was unauthorized charges they refuse to refund my money after making a quick decision they closed my account XX/XX/2022 after i reported to them a dispute unfair deceptive practices fastest investigation they have done. 
15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1644 - Fraudulent use of credit cards ; penalties 029. FRAUDULENT PRESENTMENT AND RELATED UNAUTHORIZED CREDIT CARD TRANSACTIONS MADE BY ACCESS DEVICE18 U.S.C. 1029 ( A ) ( 7 ) 4-214. RIGHT OF CHARGE-BACK OR REFUND ; LIABILITY OF COLLECTING BANK ; RETURN OF ITEM.

4A-204. REFUND OF PAYMENT AND DUTY OF CUSTOMER TO REPORT WITH RESPECT TO UNAUTHORIZED PAYMENT ORDER.

Company response to consumer: Closed with explanation