vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
Fay Servicing started paying my property taxes in XX/XX/2022 and when I called several times in XXXX and XXXX and asked why Fay all of the sudden started paying my property taxes ( after 16 years of me reliably paying them on my own ), I was told by their customer service representatives XXXX XXXX, XXXX XXXX, and several other representatives that Fay Servicing had received a delinquency notice from XXXX XXXX XXXX XXXX XXXX that asked Fay to pay my taxes. I asked every one of these customer service representatives to send me a copy of this letter/notice claiming I was delinquent. 
I followed up with this request several times in writing on XX/XX/2022, XX/XX/2022, as well as XX/XX/2022, however, I have not received a copy of the notice/letter Fay claimed to have received from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX other taxing authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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:
Hello i am trying to get the credit reporting companies to stop reporting false information on my reports.The three major reporting companies all show multiple errors on my reports.I have repeatedly asked to have the items verified that are incorrect and i am just been runaround for over a year now.I have sent certified notorized letters demanding proof of verification as they are under a legal obligation to do so.I have been lied to by all three companies.I have been told that im not giving them adequite time to XXXXXXXXXXXX  have by law 30 days and i have been disputing the same errors for well over a XXXXXXXXXXXX  received no responce from any one of the companies with the certified letters sent the first of XXXX XXXX alone violates the laws governing their right to report unverified XXXXXXXXXXXX  can you say its been verified when you all show accoubts that were never late yet you show derogatory payment XXXXXXXXXXXX  of these accounts are over XXXX years old and have had XXXX balances for XXXX or XXXX  years but yet you show it as derogatory with numerous missed payments and you show the last reported date as like XXXX XXXX is that possible on an account that has been paid off since XXXX all have notified me that you verified this XXXXXXXXXXXX  you have not or you would see you are in violation and reporting false information that is hurting my ability to XXXXXXXXXXXX  look at the XXXX credit all three companies have been showing it as XXXX for XXXX years or so and i have repeatedly disputed this XXXX show it as a 60 month XXXXXXXXXXXX  you look at your own report you will see that i have had that account for XXXX  years, Also it is current and no past due balance is XXXX again false information that you repeatedly claimed to have XXXX a company called XXXX XXXX  has repeatedly had hard pulls on my credit that i have not ever XXXX have never had any loans with them other then XXXX of my credit cards is through their company and XXXX  XXXX  uses them for offering loans that i never asked for.They show over XXXX hard pulls on my report with them alone.How can this happen if you are following the XXXX Texas staute of limitation on debt is XXXX years but you have multiple XXXX year items reported on my reports.How is it possible that you actually verified the information like you have repeatedly stated to XXXXXXXXXXXX  am XXXX  to contact an attorney and sue for the numerous damages that are being caused by your false reporting of unverified XXXXXXXXXXXX  will be my last attempt to handle this XXXXXXXX it is not done correctly with actual verified information and all others removed i will be forced to file a lawsuit and seek compensation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: TX

Complaint narrative:
Hello i am trying to get the credit reporting companies to stop reporting false information on my reports.The three major reporting companies all show multiple errors on my reports.I have repeatedly asked to have the items verified that are incorrect and i am just been runaround for over a year now.I have sent certified notorized letters demanding proof of verification as they are under a legal obligation to do so.I have been lied to by all three companies.I have been told that im not giving them adequite time to XXXX have by law 30 days and i have been disputing the same errors for well over a XXXXXXXX received no responce from any one of the companies with the certified letters sent the first of XXXX XXXX alone violates the laws governing their right to report unverified iXXXX can you say its been verified when you all show accoubts that were never late yet you show derogatory payment XXXX  of these accounts are over XXXX years old and have had XXXX balances for XXXX or XXXX  years but yet you show it as derogatory with numerous missed payments and you show the last reported date as like XXXX XXXX is that possible on an account that has been paid off since XXXX all have notified me that you verified this information.But you have not or you would see you are in violation and reporting false information that is hurting my ability to XXXX look at the XXXX credit all three companies have been showing it as XXXX for XXXX years or so and i have repeatedly disputed this XXXX show it as a 60 month term.If you look at your own report you will see that i have had that account for 22 years, Also it is current and no past due balance is XXXX again false information that you repeatedly claimed to have XXXX a company called XXXX XXXX has repeatedly had hard pulls on my credit that i have not ever XXXX have never had any loans with them other then one of my credit cards is through their company and XXXX XXXX  uses them for offering loans that i never asked for.They show over XXXX hard pulls on my report with them alone.How can this happen if you are following the XXXX Texas staute of limitation on debt is XXXX years but you have multiple XXXX year items reported on my XXXX is it possible that you actually verified the information like you have repeatedly stated to XXXX  am ghoing to contact an attorney and sue for the numerous damages that are being caused by your false reporting of unverified XXXX will be my last attempt to handle this XXXX it is not done correctly with actual verified information and all others removed i will be forced to file a lawsuit and seek compensation for damages.

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 2022-11-15 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: HW Holding, Inc
State: CO

Complaint narrative:
This debt is for an apartment we lived in. The complex sent us a detailed bill and we agreed with half of the amount they showed we owed. The other half are for items/problems that do not exist. We took pictures and move out videos so we have proof. However, the complex has not been interested in our proof and still have the amount on our credit report as a collection acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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:
Re : Complaint filed against XXXX XXXX XXXX on XX/XX/XXXX CFPB Complaint ID : XXXX XXXX XXXX XXXX ID XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX # : XXXX As it pertains to my CFPB complaint filed on XX/XX/XXXX with a Debt Validation letter to XXXX XXXX XXXX they are in violation of the law by not responding to the Debt Validation within a 30 day period pursuant to 15 U.S. Code 1681i - PROCEDURE IN CASE OF DISPUTED ACCURACY. As a result of this violation consumer reporting agencies must abide by the law and promptly DELETE this unverified and negative item from my credit file. SEE LAW ATTACHED and below.

15 U.S. Code 1681- Procedure in Case of Disputed Accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or DELETE the item from the file in accordance with paragraph ( XXXX ), before the end of 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( AGENCY is the CFPB in this matter ) ( 5 ) Treatment of inaccurate or unverifiable information - SEE LAW ATTACHED and below ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or CAN NOT BE VERIFIED, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


NOTE : XXXX. The CFPB sent a notice to XXXX XXXX XXXX on XX/XX/XXXX that their response time is Past Due - SEE ATTACHED On XX/XX/XXXX I called XXXX XXXX XXXX to inform them this is not my debt and asked them to respond in writing to my complaint through the CFPB, they asked for my email address, rushed me off the phone and sent a settlement offer for a debt that isn't mine - SEE ATTACHED.

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 2022-11-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day to all at the CFPB. Thank you for your service. My name is XXXX. I am being discriminated against and treated unfairly by the false and deceptive business practices of the for profit and non government affiliated company called EQUIFAX. I contacted EQUIFAX on XX/XX/XXXX and spoke to the agents about the discrepancies on my report and that my consumer report is more accurate and much different on XXXX than Equifax and I also notified them that I sent over a hand written letter outlining my instructions on how my personal information on my consumer credit report is inaccurate and came from the EQUIFAX data Breach in XXXX including but not limited too misspellings of my name, employer, collections, and negative accounts and that I want them removed within 5 days because I want to buy my XXXX home. The EQUIFAX agent told me that in order for any information to be disputed on my consumer credit report by me that I need to send in a copy of my Social Security Credit Card. I found that odd considering what I told the agent. I asked the agent to start a consumer investigation on my behalf and the agent said I had to send in my Social Security Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
During the month of XX/XX/XXXX to XXXX XXXX I countered deposited XXXX during this time was XXXX.i was asking for a bank petition and a pardon for all my money back.on a check to get out of this life crisis.this happen with my service animal.

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 2022-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INITIAL REQUEST ASKED TO PROVIDE ORIGINAL DOCUMENTATION OBTAINING MY SIGNATURE. UNDER THE FCRA, BUSINESSES ARE REQUIRED TO HAVE A COPY OF THE ORIGINAL CREDITORS DOCUMENTATION WITH HARD SIGNATURES ON FILE. I HAVE ATTACHED WHAT WAS PROVIDED AS VERIFICATION WHICH IN TURN ARE FULL OF INACCURACIES AND ERRORS. I DEMAND FOR THIS ACCOUNT TO BE REMOVED AS IT HAS NOT PROVIDED VERIFICATION OF THE ACCOUNT. THE ACCOUNT SHOWS CURRENTLY THAT THERE IS A LAST DAY FOR PAYMENT OF XXXX, AND HAS AN ORIGINAL CONTRACT DATE OF XXXX. CONSEQUENTLY, XXXX HAS FAILED ONCE AGAIN TO PROVIDE PROOF OF THAT DOCUMENTION. A NOTICE TO ACCELERATE DOES NOT SUFFICE NOR CONSTITUTE A SIGNED CONSUMER CONTRACT. DELETE EXPEDITIOUSLY!!!! 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2022-11-15 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
INITIAL REQUEST ASKED TO PROVIDE ORIGINAL DOCUMENTATION OBTAINING MY SIGNATURE. UNDER THE FCRA, BUSINESSES ARE REQUIRED TO HAVE A COPY OF THE ORIGINAL CREDITORS DOCUMENTATION WITH HARD SIGNATURES ON FILE. I HAVE ATTACHED WHAT WAS PROVIDED AS VERIFICATION WHICH IN TURN ARE FULL OF INACCURACIES AND ERRORS. I DEMAND FOR THIS ACCOUNT TO BE REMOVED AS IT HAS NOT PROVIDED VERIFICATION OF THE ACCOUNT. THE ACCOUNT SHOWS CURRENTLY THAT THERE IS A LAST DAY FOR PAYMENT OF XXXX, AND HAS AN ORIGINAL CONTRACT DATE OF XXXX. CONSEQUENTLY, EXETER HAS FAILED ONCE AGAIN TO PROVIDE PROOF OF THAT DOCUMENTION. A NOTICE TO ACCELERATE DOES NOT SUFFICE NOR CONSTITUTE A SIGNED CONSUMER CONTRACT. DELETE EXPEDITIOUSLY!!!! 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize and need to have them deleted, Please also update my personal information which is wrong

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 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: LA

Complaint narrative:
I am a XXXX XXXX XXXX  at the XXXX XXXX unit at XXXXXXXX XXXX XXXXXXXX XXXX in XXXX XXXX. This complaint is in reference to my client, XXXX XXXX, who has a mortgage currently serviced by Fay Servicing. 

Borrower : XXXX XXXX XXXX : XXXX Subject Property : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX 
Loan # : XXXX Servicer : Fay Servicing XXXX XXXX went into default in XXXX of XXXX and as of XX/XX/XXXX owed approximately {$4200.00} to reinstate. My organization is operating a program to reinstate eligible homeowners in foreclosure through Community Development Block Grant funds provided by the CARES Act and distributed through the City of XXXX XXXX. 

We determined XXXX XXXX to be eligible for program benefits and sent {$4100.00} to Fay Servicing on XX/XX/XXXX by wire on her behalf, to cover the six months of default from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX stated that she could and would continue repayment from XX/XX/XXXX onward. I received written confirmation on XX/XX/XXXX that our wire was received and applied to XXXX XXXX 's account but that it fell short of the XXXX payment she had agreed to pay by {$170.00}. 

XXXX XXXX attempted to pay this amount over the phone by ACH debit directly from her checking account by providing the Fay Servicing representative the routing/transit number and account number off of a check. Instead of debiting my client the {$170.00} she owed, they debited her account the full {$4300.00}, as if they hadn't already received and acknowledged the {$4100.00} payment from us. This caused her bank to return it as not sufficient funds. Fay subsequently charged XXXX XXXX an NSF fee of {$10.00}, on top of the fees her back levied against her for the NSF charge. 

Fay assigned a single point of contact to XXXX XXXX, one XXXX XXXX, who was extremely difficult to reach. I tried calling at least 5 times over the course of XXXX and XX/XX/XXXX. When I did reach her, she claimed to have been trying to reach me. My client experienced the same difficulty in communication followed by recriminations of XXXX XXXX trying to get in touch with XXXX XXXX. XXXX XXXX was rude to me when we did finally speak and hung up on my client when she was confronted with the mistake regarding the ACH debit overcharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/14 I received an email from my bank, Bank of America, that a payment was past due. After logging into my account I discovered that two business accounts had been created in my name, one with a balance of over {$9000.00}. I did not create these accounts. I notified Bank of America. They have closed the accounts, and said they will cover the costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: NY

Complaint narrative:
in 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 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 XXXXXXXX has violated my rights, 15 U.S.C 1681 section 602 A. States | 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 he 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 resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: GA

Complaint narrative:
In XX/XX/XXXX and again in XX/XX/XXXX, I disputed inaccurate information on my credit report with XXXX, TransUnion and XXXX Credit Reporting Agencies. I sent letters in the mail that my name is being reported inaccurately as well as inaccurate reporting of fraudulent accounts. I provided an updated Driver 's License and Utility bill with my accurate and up-to-date information to correct my name and address. I also requested that these 3 Consumer reporting agencies to validate with proof that XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX are all fraudulent accounts and they sent me a notice via mail that the information on my consumer report has been verified without providing any proof of such verification. TransUnion and XXXX continues to report that the information in my report has been verified. Verified by who? If I am the consumer, who has authority to validate who I am?

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 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: TX

Complaint narrative:
I deposited at {$2500.00} convenience check on the XXXX and then they lowered my credit limit from {$14000.00} to XXXX on the XXXXXXXX XXXX when they did that of course they kicked it back as insufficient funds after 5 days and I had already spent half of it. So I haven't bounced stuff going everywhere and I'm overdrawn about {$3000.00} they won't raise it back up they won't cover the check even though I I'm in good standing with them I'm making payments and doing everything I should be doing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief