vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
XX/XX/XXXX & XXXX, XXXX I had " Cancelled '' the loan in question due to many, many errors regarding the loan within the XXXX day period and was acknowledge by XXXX XXXX XXXX in writing per the attached documents dated, XX/XX/XXXX & XX/XX/XXXX, requesting us to sign new loan documents. XXXX XXXX XXXX, XXXX XXXX XXXX and now Fay Servicing documents are back dated ; altered ; wrong loan numbers ; XXXX illegally signed by Notary ; Adjustable Rate Note page XXXX has "? " ; Good Faith Estimate was for a VA Loan for XXXX years NOT a first and second ; reasons why I cancelled. 

See attached XXXX and Error Resolution Notice Under 12 C.F.R. 1024.34, dated XX/XX/XXXX and XXXX XXXX XXXX dated, XX/XX/XXXX, and as of today 's date NO response from either XXXX XXXX or Fay Servicing with the XXXX  days per RESPA. 

XXXX - Tried to refinance with XXXX XXXX XXXX XXXX and like the previous years could not get pass the Title / Deed XXXX - Tried to refinance with XXXX XXXX XXXX and like previous years could not get pass the Title / Deed process. 

So how can Fay Servicing Foreclose on a Title / Deed that is illegal? 

The Government has fined each one of these servicing companies for violations that are still going on : XXXX : US District Court for the District of Columbia XXXX XXXX No. XXXX XXXX XXXX XXXX : US District Court Eastern District of New York XXXX XXXX. XXXX Fay Servicing LLC : XXXX CFPB Administrative Proceeding XXXX No. XXXX The following are CFPB Complaints : XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX- XX/XX/XXXX : XXXX Fay Servicing - XXXX : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Almost all banks they wont open a checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: FL

Complaint narrative:
Account was disputed, got deleted and reappeared on credit report with a different amount of what the collection agency ( XXXX XXXX ) sent me and also account is showing open when in fact its already in collection.

15 USC 1681 Section 602 A : States i have the right to privacy 15 USC Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

1 ) account cant be in collection and still remains open 2 ) Agency violated my rights 3 ) Agency failed to mark account as disputed 4 ) Account has differnt amount from what the collection agency sent me on letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 an account without my written instructions

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 2022-07-03 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: SLM CORPORATION
State: TN

Complaint narrative:
I was attempting to get a XXXX loan for school from Sallie Mae. They did a hard inquiry on XXXX XXXX and then wanted a co-signer. They were sending me info that was incorrect and someone from Sallie Mae talked me into doing another application and said it would only be a soft inquiry and would not affect my score. This was only 29 days apart. Immediately on transition my score dropped and there are two educational hard inquiries on my file within 30 days. I know this is not correct and they should have only done one hard inquiry. I contacted Sallie Mae and they put it off on XXXX. I contacted XXXX and they said Sallie Mae has to send something. I want this inquiry into off my credit report. Please help me as neither agency will do what they are supposed to do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit agency reports wrong name and address. Contacted agency to get it done but nothing got done. 

15 USC 1681

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 2022-07-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 an account without my written instructions.

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 2022-07-03 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: TN

Complaint narrative:
I was attempting to get a XXXX loan for school from XXXX XXXX. They did a hard inquiry on XXXX XXXX and then wanted a co-signer. They were sending me info that was incorrect and someone from XXXX XXXX talked me into doing another application and said it would only be a soft inquiry and would not affect my score. This was only 29 days apart. Immediately on transition my score dropped and there are two educational hard inquiries on my file within 30 days. I know this is not correct and they should have only done one hard inquiry. I contacted XXXX XXXX and they put it off on TransUnion. I contacted TransUnion and they said XXXX XXXX has to send something. I want this inquiry into off my credit report. Please help me as neither agency will do what they are supposed to do.

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 2022-07-03 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts : XXXX XXXX act # XXXX, XXXX XXXX act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account t without my written instructions.

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 2022-07-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 an account without my written instructions.

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 2022-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
This company is reporting to my consumer report without authorization. Causing an adverse affect from this action that my person has received no notice or letter of. I am well aware of my rights and this is a violation of them. I'm asking that the company produce the blue ink contract my person signed with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Several times throughout the year I go on and off of XXXX XXXX due to my position and specialty in the service. Under the Servicemembers Civil Relief Act ( SCRA ) Title 50 USC I am entitled to a cap of interest at the rate of 6 % per year. I have been requesting this relief from American Express ( AMEX ) for two years now and AMEX has denied every claim I have requested or AMEX has arbitrarily closed out my request and started a new request to extend their timeline on when they need to answer or reduce my interest rate. American Express has stated that they checked the system and did not see me on XXXX XXXX so will not be applying SCRA benefits. However, XXXX that enter XXXX XXXX rarely ever get put into the XXXX XXXX XXXX XXXX ( XXXX ) which is the system they stated they utilize. Title 50 USC 3937 ( b ) ( 1 ) ( i ) clearly stated that a service member can provide military orders, which I have done in the case, and Title 50 USC 3937 ( b ) ( B ) ( i ) states that a creditor may utilize the XXXX in lieu of orders however it does not grant American Express the ability or right to discard orders provided where the service-member is not in the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 an account without my written instructions

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 2022-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
They say I open an other account, its no true

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
XX/XX/XXXX & XXXX, XXXX I had " Cancelled '' the loan in question due to many, many errors regarding the loan within the 3 day period and was acknowledge by XXXX XXXX  XXXX in writing per the attached documents dated, XX/XX/XXXX & XX/XX/XXXX, requesting us to sign new loan documents. HSBC Mortgage Services, XXXX XXXX XXXX and now XXXX XXXX documents are back dated ; altered ; wrong loan numbers ; XXXX illegally signed by Notary ; Adjustable Rate Note page XXXX has "? " ; Good Faith Estimate was for a VA Loan for XXXX years NOT a first and second ; reasons why I cancelled. 

See attached XXXX and Error Resolution Notice Under 12 C.F.R. 1024.34, dated XX/XX/XXXX and XXXX XXXX XXXX dated, XX/XX/XXXX, and as of today 's date NO response from either XXXX XXXX or XXXX XXXX with the XXXX  days per RESPA. 

XXXX - Tried to refinance with XXXX XXXX XXXX XXXX and like the previous years could not get pass the Title / Deed XXXX - Tried to refinance with XXXX XXXX XXXX and like previous years could not get pass the Title / Deed process. 

So how can XXXX XXXX Foreclose on a Title / Deed that is illegal? 

The Government has fined each one of these servicing companies for violations that are still going on : HSBC : US District Court for the District of Columbia XXXX XXXX No. XXXX XXXX XXXX XXXX : US District Court Eastern District of New York XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX CFPB Administrative Proceeding XXXX No. XXXX The following are CFPB Complaints : HSBC - XX/XX/XXXX : XXXX XXXX XXXX XXXX- XX/XX/XXXX : XXXX XXXX XXXX - XXXX : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Late payments are being reported on my credit reports that and inaccurate. Never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is harassing me and posting negative remarks on my credit report. There are XXXX reasons I want to dispute that I owe them anything : XXXX ) I filed bankruptcy in XXXX and it was discharged. 

XXXX ) They fraudulently loaned me money in XXXX where they did not disclose that they weren't supposed to loan me more than the cost of tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX - Acct # XXXX XXXX Bank - Acct XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX - Acct # XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: FL

Complaint narrative:
In accordance with the Fair Crdit Reporting act XXXX Account # 1234, 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. 

XXXX XXXX - XXXX XXXX XXXX XXXX OF 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 2022-07-03 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: CA

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 has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX & XXXX has violated my rights. 

XXXX / XXXX / XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 2022-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/22 I visited XXXX XXXX in XXXX, NC. The cashier promoted a rewards program for the store which we decided to sign up for. I should have become suspicious when the rewards program sign-up procedure included my social security number. It was not a rewards program, it was a rewards credit card that was opened in my name. This was very misleading advertising of the credit card. In addition, the cashier immediately put the charge for our purchase on that card without asking me. I had inserted my other card with which I intended to pay a bit earlier in the transaction and thought it was going there. He never said anything about authorizing payment to the new card. At that point, I didn't even know I had a new card. 

The credit card is a " XXXX XXXX '' credit card managed through Comenity. I have messaged them about cancelling the card and am awaiting a response. 

I realize my one complaint isn't much but I'm hoping if this is a widespread problem that more people will complain and something can be done. Please let me know if you have any questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts : XXXX XXXX  act # XXXX, XXXX XXXX act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account t without my written instructions.

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 2022-07-03 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts : XXXX XXXX act # XXXX, XXXX XXXX act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account t without my written instructions.

Company response to consumer: Closed with explanation