vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I have two mortgages currently with Fay Servicing, both for investment properties that I own. I have an " auto-ACH '' that I agreed to when the loan was originated, which pays Fay from my bank account on the 12th of each month. These loans were originated on about XXXX of XXXX. 

After a review of those statements, I identified XXXX occasions ( for each loan ), where Fay charged me a late fee of 10 % of my monthly mortgage payment. The total late fees equaled almost {$1000.00} dollars across the two loans. 

I tried to reach Fay to discuss through online messaging, via 800 number during their hours, and using their " call me back '' feature. I did this over 3x times over 8 days. Unfortunately, I never received a response.

My complaint : I am seeking : - return of the nearly {$1000.00} in late fees that were charged to me by Fay - clarity on the grace period associated with these loans, so that I can remain in compliance - ANY response by Fay to my multiple inquiries This mortgage servicer has been completely unresponsive. Please help a concerned and impacted citizen. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: PA

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

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 2023-06-30 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: IL

Complaint narrative:
I've notified transunion multiple times of the identity theft. They were sent and they received copies of my State ID, my bank statements verifying my address as well as a police report and federal trade commission report documenting the FRAUDULENT ACCOUNTS and the Identity theft. They have Failed to take any action and have refused to remove the Transunion was notifed of the identity theft XX/XX/2023 & XX/XX/2023. In writing via certified mail. As well as multiple online disputes online. 

XXXX  account XXXX XXXX Reporting a {$600.00} balance this account is IDENTITY THEFT and fraudulent. 

XXXX account XXXX XXXX This is fraudulent and identity theft They are also report an address of XXXX XXXX XXXX XXXX sc XXXX This is not my residence I haven't lived here this is a business address on XXXX. 

Transunion is refusing to comply with the FCRA REGULATIONS.

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 2023-06-30 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-06-30 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: RI

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-30 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: RI

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-30 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: AL

Complaint narrative:
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i & 1681e. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be. 
available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with me full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters. 
from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. You are rejecting my letters and I have stated via mail & phone with your rude representative about my letters are created by software. You are not abiding by the US LAW. Process Attachments and Delete the Account.

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 2023-06-30 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: NY

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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:
I sent Equifax information on two negative items on my credit file that is inaccurate. The two items were Bankruptcy. They sent me a new credit file stating that the info was verified through XXXX. I had disputed these online on the Equifax website with them before and they said it was verified. The information I sent Equifax was a copy of my credit file I got from them and a copy of my documents from the pacer system online. I highlighted the errors for them. Once I got a response from them stating the info was verified again, I called them. On the phone, the rep stated that because the documents do not have the court seal, they can not verify the info. I told him that the info on my credit file that Equifax got from XXXX had no court seal either. I also sent a letter stating that according to the Fair Credit Act that inaccuracies found must be deleted when asked. The rep kept asking what was the inaccurate info and I kept telling him it is all in the info I sent to Equifax, in the letter. Since there were multiple things wrong I gave him one and that was the address. He then stated that they do not report an address under the Bankruptcy on my report. He tried to twist the info like I was talking about an old address that I used to live at but I corrected him on that. I told him that I have an old report from XXXX and a new one from XX/XX/2023 and they both have addresses under the bankruptcy for the court it was held at, and the info was wrong. He wanted to go around in circles but I just politely told him that I was getting off the call and I would contact outside sources for help with this matter. It's sad that my XXXX # was in the data breach that they had now I have to fight them on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was a victim of identity theft back in 2014 were my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: MS

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 XXXX XXXX XXXX. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX & XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXXXXXX XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with XXXX  2 credit reporting. I have evidence to prove my case

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 2023-06-30 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: DISCOVER BANK
State: AL

Complaint narrative:
XX/XX/2022 {$2.00} charge ( I DID NOT MAKE ) on inactive Discover card. 
Did not receive a bill. Did not receive an email or alert. Did not receive anything from Discover. Paid 2 months late- did not initially dispute since it was a small amount.

Credit score is now down over 100 points for missed payments on a Fraudulent {$2.00} charge. The only missed payments in my entire credit history. 
I contacted Discover. I received a written correspondence that there was nothing they would do. I contacted XXXX and XXXX refunded the fraudulent charge. I contacted Discover again to see if there was any way they could update my credit report. They said NO. I believe that my credit score should not be impacted by this fraudulent charge. The Discover agent told me to contact you. 

I do not believe that this incident at all reflects my true credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
Good afternoon, I opened a Wise account so that I could use my money safely during my trip to the XXXX, where I am at this moment. 
I lost my Wise debit card yesterday around XXXX. After looking for it, I decided to report the lost of the card on wise.com. 
Everthing was fine with my balance up until I loggind into my Wise account to report the lost of my debit card. 
As soon as I logged in and start reporting the loss of my card I noticed that my account balance was below what it should have been. In less than 2 minutes, my balance dropped even more like someone was stolen my money. I found that to be very strange so opened my email to see if I had received any notifications related to fraudulent transactions, which showed me several notifications of new transactions which was happening on that exactly moment outside the XXXX. Including transactions in the XXXX, XXXX and XXXX. 
My account was definitely hacked and my money got unfortunatly stolen. 
I did report what happend to the Wise costumer service but they did not give me any reassurance that I would get my money back. 
What is so frustrated was the fact that their system could notice multiples transactions coming from multiples parts os the world but it did not blocked my account for safety purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Hi it's me again. So when looking at all the documents you sent me when you settled my judgement. I have set down went over them and yalls math does not math. So u have XXXX percent interest rate on a XXXX dollar car. Ok cool so that would be XXXX. However my finance charges were XXXX which is actually closer to XXXX percent which would give you the finance charge of XXXX. That's very deceptive. If I had of made all my payments I would have paid XXXX not including the XXXX I put down. For a total of XXXX for a 2015 XXXX. So if you go by what the interest rate says of 22.99 % the total would have been XXXX plus the XXXX down it would have been XXXX. Which it XXXX dollars less than what yall charged. I should hope that you all eventually quit screwing people. It's not fair for you to hide hidden interest rates. I will provide the copy of what u sent. Also when I would make payments you all would credit the XXXX dollars then reverse the credit for XXXX and add on XXXX to the balance with every payment. This company is shady and should change the way you do things. You prey on people that don't have a choice at the time. Then come after them when you know your hiding fees. It's not right. No I'm not just statified with you canceling the judgement against me because, I was taken advantage of and it's clear in black and white in the paper work. Just a little math and research goes a long way. At the time of the loan I wasn't in a position to math the whole equation out. I was a single mom doing the best I could with XXXX babies to make ends meet and needed away to get back and forth to work to provide for them. Please I beg you to stop preying on people. Please all pages included in the packet. 
Because I would have never even known you were literally screwing me had you not sent that response.

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 2023-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
i went to bank of america to get a loan and i was denied credit. under the uniform commercial code i can not be denied credit under 15 usc 1611 i can not be denied credit

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 2023-06-30 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
i was denied my updated credit report.. that i requested because of new information that is incorrect and in error. when i go online i only get garbage same thing when i call the phone number for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Heavner, Beyers & Mihlar LLC
State: IL

Complaint narrative:
HEAVNER, BEYERS, & MIHLAR LLC have attempted to unlawfully seize my property. The law firm served a summons for foreclosure on my property. I responded via affidavits to the claim ( see attached exhibits ) with no sufficient response. I have provided signed return receipts to confirm delivery. On XX/XX/2023, I was in appearance for the claim via zoom, and the honorable judge XXXX XXXX XXXX ordered that nothing is required for the case unless either party files future motion. This process has caused my family and I mental anguish and unwanted and necessary time from work and my normal life.

Company response to consumer: Closed with explanation