vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I was working with my old mortgage company XXXX on a loan modification. The file was complete. They decided to transfer the loan to Fay Servicing on XX/XX/XXXX but the sale date was XX/XX/XXXX. XXXX told me they will stop my review because the loan was being transferred even though the file was complete and I had to work with the new servicing company. Fay servicing is stating they will not review my file because the sale date is within 37 days. It is beyond unfair to me that the loan was transferred within 37 days of my sale date which is blocking me from having the bank review my file. Fay also stated even if XXXX sent them the full modification file they would not use it because they have their own forms so I had no chance of a review because Fay took over the loan 30 days before the currently sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Tenant Data Services Inc
State: NE

Complaint narrative:
My application for an apartment was denied today because tenant data reported my credit score wrong. I have been working on my credit all year and all 3 of my scores are above XXXX. I was denied because I didnt meet the XXXX or over my credit score came up at a XXXX. When is this data updated?? I have worked my behind off all year to grow my credit score and with 3.5 weeks to spare, my children and I could be XXXX  because of outdated information. I would have never applied if I was worried about that being the factor that wouldnt get us into our new home.

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 2022-05-19 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: VA

Complaint narrative:
I reached out to all 3 credit bureaus about the inaccurate information that's reporting on my credit file. The incorrect information that's reporting is the balance of the loan it should be {$0.00}, the date the loan was opened, high credit limit is incorrect, the past due amount is incorrect and the comments don't match. This loan was charged off and written off on their taxes, by law this is no loner my debt

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 2022-05-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I reached out to all 3 credit bureaus about the inaccurate information that's reporting on my credit file. The incorrect information that's reporting is the balance of the loan it should be {$0.00}, the date the loan was opened, high credit limit is incorrect, the past due amount is incorrect and the comments don't match. This loan was charged off and written off on their taxes, by law this is no loner my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: DISCOVER BANK
State: SC

Complaint narrative:
XXXX XXXX isnt reporting XXXX XXXX isnt reporting XXXX  isnt reporting my XXXX  XXXX XXXX card isnt reporting my discover  car isnt report XXXX shows i only have oone trade line and when my credit gets pulled it say stuff that isnt me and shouldnt be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: PulteGroup, Inc.
State: SC

Complaint narrative:
XXXX XXXX isnt reporting XXXX XXXX isnt reporting XXXX  isnt reporting my XXXX  XXXX XXXX card isnt reporting my XXXX car isnt report XXXX shows i only have oone trade line and when my credit gets pulled it say stuff that isnt me and shouldnt be reporting

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 2022-05-19 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, has violated my rights. This acconut has been on my consumer report for more than 7 years and should have been removed. 
XXXX XXXX XXXX, has violated my rights. I sent a debt validation letter in XXXX. It's been 45 days and I have yet to recieve the requested documentation proving I owe this alleged debt nor that I have ever engaged in business with this company. These items being on my consumer report is negatively impacting my ability to secure credit and loans. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Synchrony Bank Accounts # XXXX, XXXX, XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights. 

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

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

15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2022-05-19 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:
I have previously disputed the public record items on my consumer credit profile with the CRAs - XXXX, Equifax, and XXXX. Each time, the said CRAs responded with the disputed items were CONFIRMED & VALIDATED by the ORIGINAL CREDITOR and or FURNISHER and items were said to belong to me. However, I contacted the US Bankruptcy Court XXXX XXXX XXXX Georgia via AFFIDAVIT of TRUTH to confirm the same. The Clerk of Courts responded on XX/XX/2022 via written letter and stated the US Bankruptcy Court DOES NOT furnish or validate public records items with any of the CRAs. The letter went on to say that the CRAs pull data from the PACER system. The problem is that PACER DOES NOT PROVIDE complete personal identifiers, such as complete social security numbers, in its database to provide 100 % absolute onus and accurateness. The public record information pulled from PACER is not Metro-2 compliant and does contain the REQUIRED complete identifiers required FCRA stated guidelines. The public record items on my consumer report does not comply with FCRA section 611 ( 15 USC sec 1681I ) and the subject CRAs are in direct violation of the FCRA law. I want the public record items deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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:
I have previously disputed the public record items on my consumer credit profile with the CRAs - Experian, XXXX, and XXXX. Each time, the said CRAs responded with the disputed items were CONFIRMED & VALIDATED by the ORIGINAL CREDITOR and or FURNISHER and items were said to belong to me. However, I contacted the US Bankruptcy Court XXXX XXXX XXXX Georgia via AFFIDAVIT of TRUTH to confirm the same. The Clerk of Courts responded on XX/XX/2022 via written letter and stated the US Bankruptcy Court DOES NOT furnish or validate public records items with any of the CRAs. The letter went on to say that the CRAs pull data from the PACER system. The problem is that PACER DOES NOT PROVIDE complete personal identifiers, such as complete social security numbers, in its database to provide 100 % absolute onus and accurateness. The public record information pulled from PACER is not Metro-2 compliant and does contain the REQUIRED complete identifiers required FCRA stated guidelines. The public record items on my consumer report does not comply with FCRA section 611 ( 15 USC sec 1681I ) and the subject CRAs are in direct violation of the FCRA law. I want the public record items deleted 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 explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare contacted me via a mailed, written Escrow Analysis on or about XX/XX/22. The document explained that my loan account had an escrow shortage of {$10000.00}. It further noted that I could submit that amount in full to correct the shortage and reverse the resulting increase in my monthly mortgage payment. 

I mailed LoanCare a check for the full amount of the escrow shortage of {$10000.00} on XX/XX/22. The funds were received by LoanCare on XX/XX/22. According to their records, {$7100.00} of the {$10000.00} was labelled as " curtailment '' and sent to the principal. However, the entire amount should have been applied to the escrow account instead. 

I contacted LoanCare initially through their online contact form on XX/XX/22 and asked that the {$7100.00} amount be re-applied to escrow. That request was unsuccessful as I was not recontacted by the company. 

I subsequently contacted LoanCare by telephone on XX/XX/22. I repeated my request and was told that the reversal or re-application of funds would be processed within 5 business days.

I re-contacted LoanCare by telephone again on XX/XX/22 as the re-application of funds had still not gone through. I was informed that the request on XX/XX/22 " was not clear '' and that the request would be submitted again with more detailed description.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XXXX XXXX, I requested my credit report and credit score from TransUnion by mail. I included a {$15.00} check with my request, knowing that the credit score itself had a fee. 
TransUnion cashed my check on XX/XX/XXXX, per my bank. 
On XX/XX/XXXX, and then again on XX/XX/XXXX, I mailed a follow-up inquiry to TransUnion for the status of my credit report and score. I received no response. 
An XX/XX/XXXX phone call to TransUnion led me to talk to XXXX, who " could not pull up my file '', so he asked me to call back. On my second phone call, XXXX said my request was " being processed '' and would take up to ten more days. 
Confused by the information being given, on XX/XX/XXXX I had a bank representative at XXXX XXXX, from which my {$15.00} check was drawn, call TransUnion to get some answers. Supervisor XXXX at TransUnion stated that he found no record of my request, that XXXX had told me only the day before was " being processed ''. After an hour on the phone without a clear answer, XXXX tried to pass me off to another Supervisor, but this seemed futile. The call was ended. 
On XX/XX/XXXX, my credit report from TransUnion finally arrived by mail, but it had no credit score included, stating that the score needed to be paid for. My {$15.00} check, cashed by TransUnion on XX/XX/XXXX, was that payment. TransUnion has not provided me with the credit score I specifically asked for and also paid to receive. I would like TransUnion to provide me the credit score I requested three months ago. 
Sincerly, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: NC

Complaint narrative:
My personal items were taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to notify them as well. These accounts are fraud!

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.

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 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I was current and XXXX XXXX XXXX XXXX until COVID 19 hit, XXXX XXXX  was closed and I had a great reduction in income I have been in the forbearance but it ended and I was approved for a deferment then I was service transferred. My understanding was I would be current but I was told yesterday I am behind due to the time lag it took for Fay servicing to get my loan updated and in the mean time Fay servicing would NOT accept payments I can afford to make normal mortgage payments but cant reinstate the loan or afford a higher payment, please put the payments in the loan so I can be current and keep my home I AM NOT receiving unemployment My other property that has the exact same situation located at XXXX XXXX XXXX XXXXXXXX GA serviced by Fay Servicing with loan number XXXX was approved for a repayment plan I have the exact same financials used for both but the normal payment for XXXX XXXX XXXX is {$390.00} and the normal payment for XXXX XXXX  is {$560.00}. Please re review my loan for the repayment plan as it should be qualified more than XXXX XXXX  was with a higher mortgage payment and same delinquency as both were current when COVID 19 started I and my wife are XXXX XXXX XXXX XXXX who served in combat in XXXX and we want to avoid foreclosure and keep the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ( experian ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX  XXXX remove whole account or update every late payment XXXX XXXX  XXXX XXXX and XXXX of XX/XX/XXXXlate payments wrongly reported XXXX XXXX  XXXX XXXX, XXXX of XX/XX/XXXXlate payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX  XXXX XXXX XXXX late payments wrongly reported XXXX XXXX  XXXX XXXX XXXX late payment wrongly reported XXXX XXXX  XXXX XXXX remove whole account XXXX XXXX XXXX XXXX XXXX XXXX remove whole account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXX XXXX  XXXX remove whole account or update all late payments has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-19 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXXXXXX XXXX XXXX Potentially negative XXXX opened XX/XX/XXXX Balance {$3500.00} Status Open. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter, and they call me a liar I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation XXXX CREDIT/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I attempted to withdraw {$400.00} from XXXX XXXX chime ATM but the machine declined the transaction and issued me a receipt without dispensing any cash. 
When I went back online to check my account it's being debited with the said amount. I tried to recover this with chime and they keep telling me it's a valid transaction. 
I am still unable to get my refund for the {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The following account is on my credit report, it is listed under Accounts with Adverse Information the account from the XXXX website says the account should have been deleted in XXXX, 2019. The account still remains, XXXX says the account is positive which is not correct since it was handled by a credit counseling service. Please see attached screen shot. This account should be removed 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 explanation
Consumer complaint received 2022-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX and Ive been with capital one for sometime now. I added my daughter XXXX XXXX as an account manager however, its not reporting to the credit bureaus if this can be updated I would really appreciate it card # XXXX

Company response to consumer: Closed with explanation